Evolve Bank & Trust is a best-in-class, technology-focused financial services organization headquartered in Memphis TN. We are a specialized nationwide lender with a focus on the medical industry. EBT Medical Professional Program is designed to support the individuals who have made the commitment to a medical career.

Lender Disclosure

IMPORTANT NOTE: Evolve Bank & Trust Home Loan Centers (HLCs) are not full service branch locations of Evolve Bank & Trust. These HLCs do not engage in general banking transactions, such as deposits or payments, and only provide Residential Mortgage Loans. Equal Housing Lender. All loans subject to credit approval. Corporate NMLS# 509256.

Loan Officer: Jay Couillard
States: AZ, CA, CO, CT, DE, FL, IN, ME, MA, NV, NJ, NY, NC, OR, RI, TN, VT, WA


100% financing to $1,000,000

95% financing to $1,250,000

90% financing to $1,500,000

85% financing to $2,000,000+

No mortgage insurance. Property types are 1 to 4 family homes, condo, coop, land and new construction. Aggressive debt-to-income ratios, lower fico scores then competitors, future employment contract, underwriting exceptions per individual.


Medical Doctors (MD), DO, Dentists (DMD), Optometrist (OD), Pharmacist, Podiatrist (DPM), Physician Assistant (PAs), Chiropractor (DC), Dental Surgeons (DDS), Veterinarians (DVM), Medical Residents, Nurse Anesthetist (CRNA), Nurse Practitioners (NP), and Clinical Nurse Specialists, and students graduating, beginning residency, fellowship, or future employment. You qualify for our EBT Medical Professional Program if you are just graduating from medical school, dental school, veterinarian school or 10 years or less out of residency or fellowship.


Gift funds allowed; Non-occupant Co-borrower; Flexible debt-to-income ratios; Commonsense underwriting; Discounts on closing cost; Minimum reserves required; Self-employed allowed; Dedicated team for processing loans; Portfolio product – we do not sell our loans.

No cost for a fully underwritten pre-approval – Evolve Express Mortgage

Jay Couillard (NMLS #87100) can be reached at 914-434-5036 or [email protected]