California Physician Mortgage Options for Relocating Doctors
Get clarity on your rate range, monthly payment, approval path, contract income, and student-loan treatment before applying.
Quick review with one licensed physician-loan specialist • No obligation • No hard pull
“I wanted a realistic sense of my physician mortgage rate and payment before applying. The consult was quick, straightforward, and helped me understand how my contract would be viewed.”
— Internal Medicine, CA- Connected with one licensed physician-loan specialist
- Reviewed contract timing and estimated rate/approval factors
- No loan application, no hard pull, and no pressure to move forward
“I was comparing physician loan rates online, but the quick review made the numbers make more sense. They explained student loans, low-down options, and no PMI without turning it into a sales pitch.”
— Pediatrics Fellow, CA- Walked through student-loan treatment and payment factors
- Compared physician-loan structure against conventional assumptions
- Helpful and easy to fit into a busy schedule
“I wasn’t ready to apply yet. I just wanted a realistic starting point before wasting time with banks. A short text-first consult gave me a clearer idea of what to expect.”
— Anesthesiology Resident, CA- Reviewed role, buying timeline, and California purchase scenario
- Clarified what could affect approval before a formal application
- Useful starting point before deciding whether to move forward
Representative consult scenarios; not a commitment to lend. Eligibility, rates, terms, and timelines vary by profile, lender, and state. Equal Housing Opportunity.
Here’s how the quick scenario review works:
Home Financing, Simplified for Physicians.
Step 1
Review My Scenario (60 seconds)
Tell us where you're buying and your role. No credit pull, no pressure.
Step 2
Text With a Licensed Specialist
Text-first Q&A with one licensed physician-loan specialist in your state.
Step 3
Ask Questions or Start the Process
Explore your options, ask questions, or begin the process — only when you're ready.
Why Doctors Choose Physician Loans
There are five unique features designed specifically for your career stage.
- 💰 0–10% Down Payment
Start your home journey with little to no money down. - 📅 Close Before Your First Paycheck
Use your signed contract to close up to 90 days before starting work. - 🎓 Student Loan Friendly
Most programs don’t count med school debt against you. - 🛡️No PMI
No monthly private mortgage insurance required on many options. - 🏡 High Loan Limits
Qualify for up to $2M+ depending on your state and income.
What do the banks get out of this?
- ✓ Rates/fees can be slightly higher than a conventional loan with 20% down — you trade cash up front for speed and flexibility.
- ✓ Relationship banking: some lenders want you to open a checking or savings account.
- ✓ Low default risk: physicians are strong long‑term customers with rising income.
- ✓ Cross‑sell potential over time (mortgage now, wealth/credit later).
Who qualifies
Physician home loans are designed for medical professionals with unique training timelines and student‑debt profiles. Lenders evaluate future earning potential and employment contracts, not just current pay stubs.
Key advantages: student loans often receive favorable treatment, low or no down payment options are available, and many programs don’t require PMI.
Exact eligibility varies by lender and state. You can request a quick, text-first scenario review from one licensed specialist (no spam).