Physician Lending in Oakland, CA — 0% Down, No PMI
Physician lending gives doctors, dentists, and healthcare providers in Oakland access to 0% down home loans with no PMI and student debt excluded.
Nate Jones · NMLS #304056 · New American Funding
Physician Lending in Oakland
Physician lending is a specialized mortgage program that lets doctors, dentists, and healthcare providers buy a home with 0% down, no PMI, and student debt excluded from DTI. Oakland is one of the strongest healthcare markets in California, anchored by Kaiser Oakland and 1 other major hospital system — and physician lending programs are designed for professionals working here.
Nate Jones has helped physicians at Kaiser Oakland and Alta Bates Summit close on homes in neighborhoods like Rockridge, Temescal, Grand Lake, and throughout the greater Oaklandmetro. Whether you're a resident just starting out or an attending looking to upgrade, physician lending is built for your situation.
From the Lake Merritt corridor to Piedmont, Oakland offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Nate knows the Oakland market and works directly with you from pre-approval to closing.
Hospital Systems in Oakland
Kaiser Oakland
Physicians qualify for 0% down
Alta Bates Summit
Physicians qualify for 0% down
Popular Neighborhoods
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.
Ready to Buy a Home in Oakland?
Get pre-approved in minutes. No credit pull required. Nate responds same day.