Happy State Bank a Division of Centennial Bank

Available in the following states: AL, AR, FL, TX


-Available as Purchase loan or Construction to Perm (One Time Close)

-100% Financing to $750,000

-95% financing to $1,250,000

-90% financing to $1,500,000

-85% financing to $3,000,000

-NO Mortgage Insurance

-Minimum score as low as 680 FICO

-(3/1, 5/1, 7/1 ARMS available)

-Available to Doctor (DPM and OD) Dentist, CPA and Attorney.

-There is no tenure restriction to the 0 down / no “10 year rule”

-2nd home up to 80% LTV – max $1m / 700 score

All of the loan officers recommended by this site specialize in working with doctors ONLY. They are battle tested, seasoned, and recommended by your peers.

Do you want Gene to contact you?

Gene Zink (NMLS # 230394)

(972) 897-4120

[email protected]

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Note: doctorloanprograms.com has no affiliation with any bank listed on this website

Disclaimer: The postings on this site do not represent this banks positions, strategies or opinions. Our blog is for informational purposes only. For specific program details please contact authorized representative from that bank.