Josh Chavez, Mortgage Broker at Expedient Mortgage
Josh Chavez, Mortgage Broker
Expedient Mortgage
Phone: (210) 882-2134
Email: [email protected]
NMLS# 2531377
Company NMLS# 2424198
Licensed in: TX
You spent years training. Your mortgage shouldn't make you wait. This page walks through how this program works, who qualifies, and what to do next.
Primary residence only. Financing levels depend on loan amount and credit score. Reserves and other requirements apply. All loans are manually underwritten and subject to credit approval.
I'm a mortgage broker here in San Antonio, and I know this program inside and out: how the contract rules work, how student loans are counted, and what reserves you'll need. Medical careers don't follow a normal paycheck timeline, and I'll make sure your loan reflects that.
One point of contact from your first question through closing day. I'm always a call or text away.
· NMLS# · Expedient Mortgage Corporation NMLS#
At least one borrower using their income to qualify needs to hold one of these degrees and be in active practice.
Residents, fellows, and interns qualify with one of the degrees above. Professors and medical directors qualify when active clinical duties are part of their contract. Not sure if your title fits? Call or text me and I'll tell you straight.
Here's how financing levels line up with loan size and credit score:
Primary residence, one unit. Fixed rate terms from 15 to 30 years, plus adjustable options. Reserves, debt-to-income limits, and other guidelines apply and vary by financing level. No monthly mortgage insurance.
How your loans are counted depends on where you are in your career.
If you qualify on your current income, student loan payments that are deferred, in forbearance, or reporting $0 on an income-based plan can be left out of your debt-to-income ratio. Your housing allowance can count as income too.
A payment is counted, but there's flexibility in how. If your credit report shows no payment, an active income-driven repayment plan can be used with documentation. Deferred loans are counted at 1% of the balance or a fully amortizing payment. I'll run the numbers both ways.
You've got two ways to move forward. Here's how I'd do it.
Fill this out and you'll go straight to my secure application. I'll review it myself and call you to walk through your options and next steps.
By continuing, you agree that Josh Chavez and Expedient Mortgage Corporation may contact you about your home loan by phone, text, or email. See our Privacy Policy .
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Expedient Mortgage Corporation
25331 IH-10 W, Suite 210, San Antonio, TX 78257
NMLS# · Company NMLS#
This is not a commitment to lend. Not all borrowers will qualify. Equal Housing Opportunity. Program terms, including financing levels, credit score, reserve, and eligibility requirements, are subject to change without notice. Available for owner-occupied primary residences only. All loans are manually underwritten and subject to credit approval. Rates, terms, and conditions are subject to change without notice.
REGULATORY DISCLOSURE: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.