Doctor Home Loan Program for Medical Professionals

Eligible Medical Professionals in California

This Doctor Mortgage Program is available to:

• Medical Doctor (MD)

• Doctor of Osteopathy (DO)

• Doctor of Dental Surgery (DDS)

• Doctor of Dental Medicine (DMD)

• Doctor of Pharmacy (PharmD)

• Doctor of Veterinary Medicine (VMD)

• Doctor of Podiatric Medicine (DPM)

• Certified Registered Nurse Anesthetist (CRNA)

• Medical Residents, Fellows, and Interns

Key Features of the California Doctor Loan Program

• Up to 100% Financing (for eligible borrowers)

• No Private Mortgage Insurance (No PMI)

• Loan amounts up to $2,000,000

• Maximum DTI up to 50%

• Available for Primary Residence (1-Unit only)

• Purchase & Rate/Term Refinance

• Non-Occupying Co-Borrowers allowed

• Gift funds may be used for reserves

• Fixed Rate options: 15, 20, 25, 30 years

• ARM options: 5/6, 7/6, 10/6

Minimum credit score: 680

Key Features of the California Doctor Loan Program

• Up to 100% Financing (for eligible borrowers)

• No Private Mortgage Insurance (No PMI)

• Loan amounts up to $2,000,000

• Maximum DTI up to 50%

• Available for Primary Residence (1-Unit only)

• Purchase & Rate/Term Refinance

• Non-Occupying Co-Borrowers allowed

• Gift funds may be used for reserves

• Fixed Rate options: 15, 20, 25, 30 years

• ARM options: 5/6, 7/6, 10/6

Minimum credit score: 680

Eligible Medical Professionals in California

This Doctor Mortgage Program is available to:

• Medical Doctor (MD)

• Doctor of Osteopathy (DO)

• Doctor of Dental Surgery (DDS)

• Doctor of Dental Medicine (DMD)

• Doctor of Pharmacy (PharmD)

• Doctor of Veterinary Medicine (VMD)

• Doctor of Podiatric Medicine (DPM)

• Certified Registered Nurse Anesthetist (CRNA)

• Medical Residents, Fellows, and Interns

Physician Mortgage for California Residents & Fellows

We understand that medical residents and fellows may have:

• Lower current income

• Limited cash reserves

• Significant student loan balances

Our underwriting approach is structured to evaluate future earning trajectory where applicable.

Why Doctors in California Choose Physician Loans

Many physicians prefer this program because it may:

• Reduce upfront cash requirements

• Eliminate PMI cost

• Provide higher LTV flexibility

• Allow flexibility with student debt considerations

Loan approvals subject to underwriting and program guidelines.

Request a Physician Loan Evaluation

Serving Physicians Across California

This program is available to qualified medical professionals statewide, including:

Los Angeles • San Diego • Orange County • San Francisco Bay Area • Sacramento • San Jose • Silicon Valley • Riverside • San Bernardino • Santa Clara County • Alameda County • San Mateo County • and more.

Start Your Physician Mortgage Consultation

If you are searching for:

• Physician Mortgage California

• Doctor Loan California

• MD Home Loan CA

• No PMI Doctor Mortgage

• Medical Professional Home Loan California

We invite you to schedule a confidential consultation.