Clarity Home Lending specializes in providing comprehensive mortgage solutions to residents of the Dallas-Fort Worth area, including new home loans and mortgage refinancing. Recognized as an approved lender for Texas FHA, VA, and USDA loan programs, Clarity offers competitive rates and low fees, catering to a range of homebuyer needs. Whether you're purchasing your first home, looking to refinance, or exploring loan options such as the 30-Year Fixed-Rate or exclusive programs like the ‘$7K, Your Way' for down payments and closing costs, Clarity Home Lending is dedicated to making homeownership affordable and accessible.
Physicians may qualify for 0% down financing on loan amounts up to $2 million.
Recent W-2 to 1099 options available with no prior 1099 history
Our specialized loan programs are designed to support professionals in high-earning career paths. At least one borrower whose income is being used to qualify must be one of the following eligible professional designations.
MD, DO, DDS, DMD, Resident, Fellows, DVM, CRNA, DNAP, OD, DPM, Pharmacist
Borrowers must hold a minimum of an M.D., D.O., D.D.S., DNP, DNAP or D.M.D. degree and have an active employment contract (or verification of terms of employment acceptance).
Non-occupant co-borrowers are eligible; however, non-occupant contributing income must be less than or equal to 50% of total qualifying income.
Select medical professionals early in their careers — may qualify for zero down payment options on loans up to $2 million.
No mortgage insurance required.
We do not consider student loans in the debt to income ratio.
Close up to 150 days before your employment begins, allowing you to start your career and homeownership at the same time.
Available to medical physicians regardless of how long you’ve been practicing. Select medical professionals can even qualify before they start practicing.
NMLS# 621901