Specialized Mortgages

Rates and terms exclusive to our veterans, physicians, and professional executives.

Physician Loans

Extraco's physician-focused mortgage team has long recognized the special financial needs of medical physicians, residents, physician assistants, nurse practitioners, nurse anesthetists and full-time medical instructors throughout the state of Texas.

Key Considerations:
  • Up to 100% financing on the purchase or refinance of a principal single-family residence or lot in the state of Texas
  • Up to 100% financing on lot & land loans in qualifying counties
  • Available to medical doctors, residents, or full-time medical instructors
  • 30-Year fixed-rate, 7/1 ARM loan option 
  • Long-term financing 
  • 3% seller contributions allowable* 
  • No private mortgage insurance (PMI)

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Moving to Central Texas? 

Here are the top 5 things incoming physicians need to know about moving to Central Texas.

View our eBook


Texas Veteran Land Board Loans

Eligible Texas Veterans have an opportunity to purchase a home with little to no money down at a competitive, low-interest rate.

Key Considerations:
  • The home must be the veteran or military member's primary residence in Texas
  • Typically requires a minimum of 5% down payment for tracts one acre or more
  • You’re a U.S. military veteran
  • You’re currently serving in the military or military reserves
  • You may be eligible if you are a commissioned officer of the Public Health Service


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Professional Executive Loan

Eligible senior executives, attorneys, dentists, CPAs, veterinarians, health care administrators, physician assistants, nurse practitioners. nurse anesthetists and other professionals can take advantage of up to 100% financing for their dream homes. 

Key Considerations:
  • The home must be a purchase or refinance and owner-occupied
  • The loan cannot be utilized for second homes or multiple-unit dwellings
  • 3% seller contributions allowable*
  • The home must be located within an eligible Texas county  


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Your bank should be a reflection of your success. 

As a Premier Client, you'll receive the highest level of customer service, rewards and benefits a bank can offer with an exclusive suite of financial solutions designed to meet your needs. 

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Get the Extraco Mortgage App

Start application/pre-approval, calculate payments, securely scan & upload documents, see your progress and get updates as you go — anytime, anywhere.
Download the Extraco Banking app from Apple's App Store
Get the Extraco Banking app on Google Play
Extraco Bank Mobile App on an Android
Extraco Bank Mobile App on an Apple Device

Important Disclosures and Information

  • Veteran Loan: Subject to VA eligibility review. Surviving spouses of veterans may also be eligible
  • Loans subject to credit approval

*Borrower may not receive any cash at closing