Physician Mortgage in Fresno, CA — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Fresno access to 0% down home loans with no PMI and student debt excluded from DTI.
Zack Cervantes · NMLS #502342 · New American Funding
Physician Mortgage in Fresno
A physician mortgage is a specialized home loan program that lets doctors, dentists, and healthcare providers buy a home with 0% down, no PMI, and student debt excluded from DTI. Fresno is one of the strongest healthcare markets in California, anchored by Community Regional Medical Center and 1 other major hospital system — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at Community Regional Medical Center and Saint Agnes Medical Center close on homes in neighborhoods like Tower District, Fig Garden, Woodward Park, and throughout the greater Fresnometro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
Fresno offers a growing medical community, strong property values, and neighborhoods that range from walkable urban to family-friendly suburban — all within reach with a physician mortgage. This isn't a generic lender page — Zack knows the Fresno market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Fresno, CA
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Fresno program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near Community Regional Medical Center, Fresno doctors use this program to buy homes without waiting to pay down student loans first. MD, DO, DDS, DMD, DPM, OD, NP, and PA credentials all qualify.
Hospital Systems in Fresno
Community Regional Medical Center
Physicians qualify for 0% down
Saint Agnes Medical Center
Physicians qualify for 0% down
Popular Neighborhoods
Program Highlights
Down Payment
0% — zero out of pocket
PMI
None — ever
Student Debt
Excluded from DTI
Eligible
MD, DO, DDS, DMD, DPM, OD, NP, PA
Who Qualifies for a Physician Mortgage?
Physician mortgage loans aren't just for MDs. If you work in healthcare, there's a good chance you qualify. Zack works with:
- ✓Medical Doctors (MD)
- ✓Doctors of Osteopathic Medicine (DO)
- ✓Dentists (DDS / DMD)
- ✓Oral Surgeons
- ✓Orthodontists
- ✓Podiatrists (DPM)
- ✓Optometrists (OD)
- ✓Ophthalmologists
- ✓Veterinarians (DVM)
- ✓Pharmacists (PharmD)
- ✓Nurse Practitioners (NP / APRN)
- ✓Certified Registered Nurse Anesthetists (CRNA)
- ✓Physician Assistants (PA-C)
- ✓Clinical Psychologists (PsyD / PhD)
- ✓Chiropractors (DC)
- ✓Registered Nurses (RN) with advanced degrees
- ✓Fellows and Residents
- ✓Physicians within 90 days of start date
Don't see your title? Call Zack — many other healthcare professionals qualify depending on the lender.
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