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 providing financing to the medical industry. Our Physicians loan is available in all 50 states and DC.

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. This e-mail and any attachments may be confidential or privileged information. If you are not the intended recipient, be aware that any disclosure, copying, distribution or use of the e-mail or any attachment is prohibited. This email is not intended to be a contract or other legally binding obligation. If you have received this e-mail in error, please notify us immediately by replying to the sender and deleting this copy and the reply from your system. Thank you for your cooperation.

States: All 50 States and Washington, DC


100% financing to $750,000, 95% financing to $1,250,000, 90% financing to $1,500,000 & 80% financing to $2,000,000 – No mortgage Insurance. Property types are  1 & 2 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.


MD, DO, DPM, DDS, DMD, Fellows, Residents, Veterinarians & graduating students. You qualify for our Medical 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. Flexible debt-to-income ratios. Commonsense underwriting.  Flexible fico score grids.  Minimum reserves required.  Self-employed allowed.  Dedicated team for processing loans. –. Portfolio product – we do not sell our loans

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