Military father with family holding key

Specialized Mortgages

Rates and terms exclusive to our veterans and physicians. 

Physician Loans

Extraco's physician-focused mortgage team has long recognized the special financial needs of medical physicians, residents, and full-time medical instructors.

Key Considerations:

  • Up to 100% financing on the purchase or refinance of a principal residence 
  • Available to medical doctors, medical residents, or full-time medical instructors 
  • 30-Year fixed-rate & 10/1 ARM loan options 
  • Single-family residence 
  • Long-term financing 
  • 3% seller contributions allowable* 
  • No private mortgage insurance (PMI) 


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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, 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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Have a question about getting a home loan?

Home Loan Inquiry

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