Doctor Home Loans in California

Doctor Home Loans California

If purchasing or refinancing a doctor home loan in California is on your to-do list, then keep reading for a guide to lenders ready to work with you.

With over 112,000 doctors practicing in the Golden State, you’ll find several lenders who can help you navigate the doctor home loan process.

Home to over 39,000,000 residents, California is the most populous state in the country. From the coast to the mountains, to the valleys and the desert, you can find almost any climate or terrain to fit your lifestyle. But California is more than the Land of Milk and Honey. It represents a state that’s home to many different health care systems, centers for technology, and research – all of which continue to make it attractive for doctors to practice here.

Recommended Lender for Doctor Home Loans in California

US Bank physician loan

Jonathan Brozek, Mortgage Loan Officer | U.S. Bank | NMLS# 850168

Equal Housing Lender

“Pinch me. I must be dreaming!” is what one of Jonathan’s physician endorsers expressed after reflecting on his mortgage experience. Others state their experience allowed them to enjoy the process of buying a home. We’re optimistic you’d experience the same. But, there’s only one way to find out.

Contact Jonathan by emailing him here: (email preferred) or call (916) 788-7982


UMB physician loansDoug Crouse, Mortgage Loan Officer | BMO Bank

Whether it’s your first home, a refinancing project or looking for the next home upgrade, Doug is focused on making a real and lasting difference. That’s why he takes the time to understand each of his clients’ unique home buying needs (as he has with my very own physician family).

Contact Doug by visiting this link.


Whether it’s residency or starting your career as an attending that brings you to California, you’ll have many different choices when it comes to buying a home. A doctor home loan can help you as you take on one of the biggest financial commitments of your life.

No matter which part of the massive state of California you choose to live in, you’ll find several lenders ready to walk you through the doctor home loan process. You will want to go through the pre-qualification process if possible. This will guide you through your payment options, as well as show the seller you are serious about your purchase.

If you need more information regarding doctor home loans in California, be sure to contact one of our preferred lenders. You can get the information you need and find someone who is knowledgeable about the entire home loan process.

List of Lenders for Doctor Home Loans in California

BMO Harris – BMO Harris offers several mortgage options for physicians. Physicians can borrow up to 100% on mortgages up to $1M, 95% on mortgages up to $1.5M, and 90% on mortgages up to $2M. There is no PMI on physician mortgage loans through BMO Harris. The loan programs are available with either fixed or adjustable rates and without any special fees. BMO Harris is headquartered in Chicago, IL and also operates in the states of AZ, FL,IN, KS, MN, MO, and WI – excludes NY.

Citizens Bank – Citizens offers a special mortgage program for physicians and dentists through their doctor loan program. The Citizens Bank Doctor Loan is available for purchases and limited cash‑out refinances of primary residence. A few highlighted features of the program include up to 95% financing, no mortgage insurance, and your choice of a fixed-rate or adjustable-rate mortgage. Headquartered in Providence, RI, Citizens Bank has over 1,200 locations across the country.

US Bank – U.S. Bank is a leader in the mortgage industry. Many of their customers have said they would recommend them in the future. They offer loans that meet almost every mortgage need. You may be eligible for the U.S. Bank Customer Credit with a new or existing U.S. Bank Personal Checking Package, or with an existing first mortgage with U.S. Bank. Take 0.25% of the loan amount and deduct it from the closing costs, up to a maximum of $1,000. At U.S. Bank, they know that your home is one of the biggest investments you’ll ever make. And whether you’re looking for a new mortgage loan, a mortgage refinance or a home equity loan, you want a partner you can trust.

Recommended Real Estate Agents In California

Financial Residency has partnered with Dr. Moves to offer you a tailored home buying experience with agents that specialize in working with physicians in California.

Moving to a different state? Click on the state you are moving to and get the best lenders in that state.

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