Physician Mortgage Loans California
0% down. No PMI. Student debt excluded from DTI. Zack Cervantes · NMLS #502342.
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Doctor Home Loans California
Physician mortgage, doctor home loan, physician home loan, and doctor mortgage loan all describe the same product in California— 0% down, no PMI, and student debt excluded from your debt-to-income calculation. Whether you're a resident, fellow, or attending physician practicing in San Diego, Los Angeles, San Francisco, or 7 other cities, the program qualifies you on your medical credentials and future earning power — not just your last two years of W-2s.
California has a strong physician housing market, anchored by major hospital systems and growing healthcare employment. Zack Cervantes writes physician mortgages across the state for MD, DO, DDS, DMD, DPM, OD, NP, PA, DVM, and DC credentials.
Top Cities for Physician Mortgages in California
Each city below is a major physician borrower market in California. Hospital systems, popular neighborhoods, and physician housing density all factor into program pricing.
Physician Mortgage San Diego
San Diego physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. San Diego is home to UC San Diego Health, Scripps Mercy, Sharp Memorial, Rady Children's — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Pacific Beach, North Park, Normal Heights.
Full San Diegophysician mortgage details →Physician Mortgage Los Angeles
Los Angeles physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Los Angeles is home to Cedars-Sinai, UCLA Medical Center, Keck Hospital of USC — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Santa Monica, Beverly Hills, Silver Lake.
Full Los Angelesphysician mortgage details →Physician Mortgage San Francisco
San Francisco physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. San Francisco is home to UCSF Medical Center, Zuckerberg SF General, California Pacific Medical Center — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Marina, Pacific Heights, Noe Valley.
Full San Franciscophysician mortgage details →Physician Mortgage San Jose
San Jose physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. San Jose is home to Stanford Health Care, Good Samaritan Hospital, Regional Medical Center — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Willow Glen, Rose Garden, Almaden Valley.
Full San Josephysician mortgage details →Physician Mortgage Oakland
Oakland physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Oakland is home to Kaiser Oakland, Alta Bates Summit — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Rockridge, Temescal, Grand Lake.
Full Oaklandphysician mortgage details →Physician Mortgage Sacramento
Sacramento physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Sacramento is home to UC Davis Medical Center, Sutter Medical Center — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Midtown, East Sacramento, Land Park.
Full Sacramentophysician mortgage details →Physician Mortgage Irvine
Irvine physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Irvine is home to Hoag Hospital Irvine, Kaiser Permanente Irvine — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Woodbridge, Turtle Rock, University Park.
Full Irvinephysician mortgage details →Physician Mortgage Long Beach
Long Beach physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Long Beach is home to Long Beach Memorial, St. Mary Medical Center — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Belmont Shore, Naples, Bixby Knolls.
Full Long Beachphysician mortgage details →Physician Mortgage Fresno
Fresno physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Fresno is home to Community Regional Medical Center, Saint Agnes Medical Center — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Tower District, Fig Garden, Woodward Park.
Full Fresnophysician mortgage details →Physician Mortgage Bakersfield
Bakersfield physicians qualify for the full physician mortgage program — 0% down, no PMI, student debt excluded. Bakersfield is home to Kern Medical, Mercy Hospital — physicians at any of these hospital systems qualify. Popular physician neighborhoods include Downtown, Westchester, Seven Oaks.
Full Bakersfieldphysician mortgage details →Buying an investment property after your primary home? DSCR loans require no income verification → Qualify on the rental property's cash flow.