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Physician Mortgage Loans in California

Compare current California physician mortgage loans from multiple lenders. Get current interest rates and APRs for 30-year fixed, 15-year fixed and adjustable rate mortgage loans for doctors in California in seconds.

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U.S. Mortgage Loan Rates

Current rates - October 07, 2021
2.99%30-Year Fixed
2.23%15-Year Fixed
2.52%5/1 ARM

California Mortgage Loan Facts

With a population of 39.2 million people, California is a favorite destination for many physicians. The state ranks as a top contender when it comes to overall wellbeing and happiness, but there are 104 thousand active physicians so salaries are competitive and are in an average range. The largest drawback to living in sunny California is the cost of living, housing costs are high, but if lifestyle, community and wellbeing are important, then this state has a great deal to offer. Home to top universities such as University of California San Francisco, Stanford and the University of Southern California make California a great choice for doctors who consider specializing within their field.


Home Value


Cost of Living Index
(49th in the U.S.)




of Doctors

Physician Mortgage Loans in California

CompanyLoan Amounts For
Residents & Fellows
Loan Amounts For
Practicing Physicians
Credit Score
States available in
States AvailableAZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MO, MT, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, UT, VT, VA, WA, DC, WV, WI, WY

Huntington Bank offers a doctor loan program for MDs, DOs, DDSs, DMDs, DPMs, and DVMs. Borrowers can obtain up to $2 million with low down payment options available:

  • 100% financing on loan amounts up to $1M
  • 95% financing on loan amounts up to $1.25M
  • 90% financing on loan amounts up to $2M

Learn More: Huntington Bank Physician Loan Review

States AvailableAL, AR, CA, CT, DE, DC, FL, GA, IN, KY, MD, MA, MS, NC, OH, PA, SC, TN, TX, VA, WV

The doctor loan program from Truist is available to MDs, DOs, DDSs, and DMDs that are in residency, and practicing professionals that have completed their training within the last 10 years.

Residents and fellows are eligible for a Truist physician loan up to $750,000 with no down payment. Those within ten years of residency completion are eligible for larger loans up to $1.5M with down payment options based on loan size.

States AvailableCA

West Coast Mortgage Group values mortgage lending made simple. We work as a family to make a difference in borrowers’ lives by providing quality home lending solutions.


  • Pre-approval in 1 day
  • WCMG is small, thus able to process and close loans faster
  • Little to no reserve requirements
  • Gift funds allowed/ no seasoning requirements
  • Can close 90 days prior to new employment
  • Can underwrite off IBR for student loans


  • Not available in all states

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