Blair J Beard, NMLS #333632

Prosperity Bank Doctor Loan

This program is available to finance the purchase of a primary residence for medical doctors. The programs available for physicians are: 10 year fixed, 15 year fixed, 30 year fixed, 5/1 ARM, 7/1 ARM, or 10/1 ARM conforming and jumbo portfolio loans. The 10, 15, and 30-year loans are fixed rate and amortize over the loan term. The intermediate ARMS (5/1, 7/1, and 10/1) have an initial fixed rate of interest followed by an annually adjusting rate for the remaining term. The ARM loans amortize over 30 years.


  • D.O. (Doctor of Osteopathic Medicine)
  • M.D. (Doctor of Allopathic Medicine)
  • D.P.M. (Doctor of Podiatric Medicine)
  • D.D.S. (Doctor of Dental Surgery)
  • D.M.D. (Doctor of Dental Medicine)
  • D.V.M. (Doctor of Veterinary Medicine)
  • Available to Residents, Fellows, practicing MDs, DOs, DDSs, and DMDs.
  • No Minimum or maximum length of time as a practicing Physician

Prosperity Bank Doctor Loan Details:

  • No Reserve Requirement
  • 100% – 1M
  • 90% – 1.5M
  • 85% – 2M
  • 90% CLTV – 2.5M
  • No Mortgage Insurance
  • Purchase, Refinance and Cash-out
  • Primary Homes
  • Departure Residence will not count in Ratios
  • Fixed and adjustable rate options available
  • Relationship rate discounts available
  • Primary residence single family, approved condo, and townhomes

About Prosperity Bank Doctor Loan

At Prosperity Bank, we’re committed to providing services that will simplify our customer’s everyday financial needs. We believe in building genuine relationships with a handshake, providing positive experiences at every touchpoint from in-person to our digital channels, and backing our customer’s information and financial records with the highest level of security. You’ll find knowledgeable associates ready to serve with accuracy and a smile time and time again. And we proudly care for cities, large and small in the communities we serve.

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