Physician Mortgage in Los Angeles, CA — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Los Angeles access to 0% down home loans with no PMI and student debt excluded from DTI.
Nate Jones · NMLS #304056 · New American Funding
Physician Mortgage in Los Angeles
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. Los Angeles is one of the strongest healthcare markets in California, anchored by Cedars-Sinai and 2 other major hospital systems — and physician mortgage programs are designed for professionals working here.
Nate Jones has helped physicians at Cedars-Sinai and UCLA Medical Center close on homes in neighborhoods like Santa Monica, Beverly Hills, Pacific Palisades, and throughout the greater Los Angelesmetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the Hollywood corridor to Culver City, Los Angeles offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Nate knows the Los Angeles market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Los Angeles, CA
A physician mortgage in Los Angeles solves a problem that's bigger here than almost anywhere else: home prices that demand jumbo loan amounts, hitting right when your student loan balance is at its peak. The program answers both — low or zero down payment, no PMI, and student loan debt excluded from DTI calculations entirely. Interns, residents, fellows, attendings, dentists, and clinical faculty all qualify.
LA's hospital landscape is one of the country's largest: Cedars-Sinai, Ronald Reagan UCLA Medical Center, Keck Hospital of USC, Children's Hospital Los Angeles, and the Kaiser Permanente network. Nate closes physician loans for doctors at all of them — and a signed employment contract qualifies you before your first attending shift, which matters when you're relocating for a July 1 start date.
The math is different in LA. With typical prices around $900,000-$1M citywide — and physician-favorite Westside neighborhoods well past that — most physician purchases here are jumbo loans. That's where this program separates from conventional financing: low-down-payment options extend into jumbo territory without PMI, so you're not parking $200,000+ of cash just to avoid mortgage insurance on a starter home in this market.
Where do LA physicians actually buy? Santa Monica, Brentwood, and Pacific Palisades for proximity to UCLA and Saint John's; Culver City for an (relatively) attainable Westside address near both UCLA and Cedars-Sinai; Silver Lake and Highland Park for residents and fellows at USC and Children's Hospital. It's a primary-residence program — investment properties are ineligible — and rate pricing varies with credit score, loan amount, and down payment.
Hospital Systems in Los Angeles
Cedars-Sinai
Physicians qualify for 0% down
UCLA Medical Center
Physicians qualify for 0% down
Keck Hospital of USC
Physicians qualify for 0% down
Popular Neighborhoods
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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. Nate 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 Nate — many other healthcare professionals qualify depending on the lender.
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