Doctors buying in California. The license is the story. The overlay still applies.
Physician programs exist because residency income and deferred student loans do not look like a W-2 30-year. They are still overlays. I will not promise 100% financing as a website quote.
- Physician loan in the catalog: /loan-programs/physician-loan.
- Jumbo still applies above county limits.
- If you are buying a rental, it is not a physician occupancy file.
- Do dentists and pharmacists count?
- Some overlays include them. Some do not. I check the sheet, I do not invent a list.
Not an approval. Not a rate. Overlay at lock. NMLS #1858674.