Physician Mortgage in Los Angeles, CA — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Los Angeles 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 Los Angeles
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. Los Angeles is one of the strongest healthcare markets in California, anchored by Cedars-Sinai and 2 other major hospital systems — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at Cedars-Sinai and UCLA Medical Center close on homes in neighborhoods like Santa Monica, Beverly Hills, Silver Lake, and throughout the greater Los Angelesmetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the Hollywood corridor to Culver City, Los Angeles offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Zack knows the Los Angeles market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Los Angeles, CA
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Los Angeles program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near Cedars-Sinai, Los Angeles 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 Los Angeles
Cedars-Sinai
Physicians qualify for 0% down
UCLA Medical Center
Physicians qualify for 0% down
Keck Hospital of USC
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.
Ready to Buy a Home in Los Angeles?
Get pre-approved in minutes. No credit pull required. Zack responds same day.
Physician Mortgages in Nearby Cities
See What You Qualify For
Free · No credit pull · About 60 seconds