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Meet Bill Rapp

NMLS ID # NMLS # 228246

William Rapp, based in Houston, TX, US, is currently a Capital Advisor at Medallion Funds, bringing experience from previous roles at eXp Commercial, NEXA Mortgage, Viking Enterprise LLC and Sun Realty - Houston. William Rapp holds a 1997 - 2001 BBA in Finance @ Texas A&M University. With a robust skill set that includes REO, Sellers, SFR, FHA financing, Reverse Mortgages and more, William Rapp contributes valuable insights to the industry.

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Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.

27185 Astoria Brook Ln, Katy, TX 77494, USA

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💰 How Doctors Buy Homes with 0% Down – The Doctor Loan Advantage 💼

🩺 Doctor Loan Program Explained: Home Financing Made Easy for Physicians & Dentists 🏡

Bill Rapp, Commercial Mortgage Broker

October 31, 2025•2 min read

🩺 Doctor Loan Program Explained: Home Financing Made Easy for Physicians & Dentists 🏡

💰 How Doctors Buy Homes with 0% Down – The Doctor Loan Advantage 💼

Doctors and Dentists save lives — and now there’s a loan program designed to save you money.

For medical professionals juggling residency, long hours, and student loans, saving for a home can feel impossible. That’s where the Doctor and Dentist Loan Program comes in — a mortgage option designed specifically for doctors, dentists, and other high-income professionals starting their careers.

Who Qualifies

This program is available to:

·Physicians (MD, DO, DPM)

·Dentists (DDS, DMD)

·Residents and Fellows

·Veterinarians (in select programs)

Even if you’re still in training or just graduated, you may qualify with an employment contract instead of pay stubs.

Key Benefits

·3–5% down payment options

·No PMI (Private Mortgage Insurance)

·Flexible debt-to-income ratios

·Future income accepted — banks underwrite based on your signed contract

·Portfolio loan options typically structured as 5, 7, or 10-year ARMs

Doctor loans are portfolio products, meaning they’re kept in-house by lenders — allowing more flexibility than conventional loans.

Why Banks Love Doctors

Lenders view physicians and dentists as low-risk, high-potential borrowers. Even with large student loans, your earning trajectory and job stability make you an attractive client for banks.

Doctor Loan vs. Conventional Loan

Doctor loans win on flexibility — no PMI, minimal down payment, and future income acceptance.
Conventional loans, however, can still be advantageous if you prefer fixed 30-year terms or want to use 75/20 or 80/15 piggyback financing to stay conforming.

Real Example

A recent client — a first-year resident — used a doctor loan to purchase her first home near her hospital with just 3% down and no PMI. Without this program, she would have needed to rent for years before saving enough for a conventional down payment.

Closing Thoughts

Whether you’re in residency or launching your practice, the Doctor Loan Program is designed to help you achieve homeownership faster and smarter.

👉 If you’re a doctor ready to buy your dream home without waiting years to save a massive down payment, let’s talk. I’ll help you put the stethoscope down and pick up the house keys.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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