Physician Mortgage Lenders in California
California's high-cost housing markets—from Los Angeles to San Francisco to San Diego—make physician mortgage loans essential for doctors entering the state's world-renowned health systems. California physician mortgage programs offer higher loan limits, no PMI, and 0% down options designed to help medical professionals compete in competitive real estate markets.
Premier Lenders
Alliant Credit Union offers an industry-leading Medical Professional Loan Program designed to support physicians and medical professionals through career transitions, relocations, and early earning years. The program is available nationwide (except Maryland) and is known for its high loan limits, flexible student loan treatment, and no private mortgage insurance.
Alliant treats its physician loan as a core lending product, allowing for consistent underwriting, conforming and non-conforming options, and flexible qualification for both new and established medical professionals.
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First Western Trust offers a professional mortgage program designed for physicians and other qualified professionals transitioning into higher-income careers. The program is structured as a portfolio lending solution, allowing more flexibility than conventional secondary-market mortgages. It is designed to support medical professionals early in their careers, including residents transitioning to attending roles and physicians relocating for new employment.
The program focuses on liquidity preservation, flexible underwriting, and contract-based qualification for borrowers entering new employment.
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Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank®, and an affiliate of Wintrust Financial Corporation.
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Lenders
Flagstar Bank is historically one of the largest lenders in the United States, ranking among the top 10 nationally for residential mortgage origination. Flagstar is licensed to lend in every state and offers relationship pricing for Private Clients with loan amounts up to $10 million. The bank provides flexible professional mortgage programs designed for doctors, attorneys, certified public accountants, and other qualifying professionals seeking low down payment and competitive rate options.
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Genisys Credit Union offers custom-tailored physician mortgages with loan amounts up to $5,000,000. The program uses a common-sense underwriting approach based on the borrower’s demonstrated ability to repay. Genisys is a full-service financial institution offering deposit, auto, and mortgage products, with a specialty in high-end mortgage lending.
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Liberty Federal Credit Union is a member-owned financial institution focused on returning value through innovative products and services.
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Novus Home Mortgage offers a home loan program for medical professionals designed to help borrowers purchase a home early in their careers, including before starting a new job. Novus is a nationwide portfolio and correspondent lender with in-house underwriting, allowing for faster and more flexible loan processing.