Physician Mortgage in San Francisco, CA — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in San Francisco 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 San Francisco
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. San Francisco is one of the strongest healthcare markets in California, anchored by UCSF Medical Center and 2 other major hospital systems — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at UCSF Medical Center and Zuckerberg SF General close on homes in neighborhoods like Marina, Pacific Heights, Noe Valley, and throughout the greater San Franciscometro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the Golden Gate Park corridor to Hayes Valley, San Francisco offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Zack knows the San Francisco market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in San Francisco, CA
Whether you call it a physician mortgage, doctor loan, or physician home loan — the San Francisco program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near UCSF Medical Center, San Francisco 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 San Francisco
UCSF Medical Center
Physicians qualify for 0% down
Zuckerberg SF General
Physicians qualify for 0% down
California Pacific 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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Physician Mortgages in Nearby Cities
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