Conventional & Government
Jumbo — Specialty
Physician / Professional Loan
Portfolio jumbo designed for medical doctors, dentists, attorneys, and executives — no MI, low down, student loans excluded from DTI.
Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.
700
Min FICO
100%
Max LTV
full doc
Docs
Ideal borrower
Newly practicing physicians and other high-income professionals.
Program highlights
- 0–10% down on jumbo amounts
- No PMI
- Deferred student loans excluded from DTI
- Future employment contract accepted
Typical uses
- First home for residents/fellows
- Post-training relocation
Frequently asked questions
- What professionals qualify for a physician loan besides MDs?
- Programs vary by lender. Standard physician loans cover MDs, DOs, DDSs, DMDs, and DMVs. Expanded 'professional' versions sometimes include attorneys (JD), CPAs, DPMs (podiatrists), ODs (optometrists), and some executive / tech professionals. The eligibility list is program-specific.
- How are deferred student loans treated?
- Physician programs typically exclude deferred federal student loans from DTI entirely. Some programs count 1% of the balance instead; the strongest exclude them outright. This is the key difference that makes physician loans work for residents and fellows with six-figure student debt.
- Can I use a physician loan for a second home or investment property?
- Most physician loan programs are primary-residence only. A narrow subset of lenders offer second-home variants at modified terms. Investment property purchases through physician loans are rare.
Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.