How to Buy a Home in Fort Worth as a JPS Resident or Fellow

How can a JPS resident or fellow buy a home in Fort Worth?

JPS residents and fellows can buy a home in Fort Worth using specialized physician loans designed for early-career doctors. Annie Sovereign, Broker of Sovereign Elite Group, shares what you need to know about timing, loan options, and relocation tips as a new medical professional.

Step 1: Understand Physician Loans for Residents

Physician loans allow residents and fellows to qualify without needing years of employment history or large down payments. These loans typically exclude student debt from DTI calculations, making it easier to qualify even on a training salary.

Step 2: Get Pre-Approved Before Your Schedule Fills Up

Your schedule at JPS is demanding. Start early and get pre-approved with a lender that works with residents. Annie can connect you with Fort Worth lenders who understand physician timelines and document requirements.

Step 3: Choose Neighborhoods Close to JPS or with Easy Commutes

- Near hospital: Berkeley Place, Mistletoe Heights, Fairmount

- Quiet suburbs: Aledo, Benbrook, North Fort Worth

- Popular with residents: TCU/Westcliff area for charm and convenience

Step 4: Explore Zero Down and No PMI Loan Options

Most doctor loans for residents require no down payment and waive private mortgage insurance (PMI). This helps you keep your savings for other costs like moving, furniture, or residency expenses.

Step 5: Time Your Move Before Orientation or Call Starts

It’s best to close before your first day or orientation. Annie will help you time your offer, inspection, and closing to reduce stress and ensure a smooth transition into your new home.

Step 6: Don’t Forget About Homestead Exemption and Tax Planning

Once you purchase, apply for Texas’s homestead exemption to reduce property taxes. Annie also connects buyers with local insurance and financial planning partners to help new physicians protect their investment.

Why Annie Sovereign is the Go-To Realtor for JPS Residents

With deep roots in Fort Worth and a strong network of physician-focused lenders and advisors, Annie understands the pressures of residency life. Her goal is to make your first home purchase clear, manageable, and rewarding.

Start Your Fort Worth Home Journey with Confidence

If you're beginning your residency or fellowship at JPS, let Annie Sovereign help you buy smart. From tours to contracts, she’s here to walk alongside you—so you can focus on medicine, not mortgage paperwork.