Real estate for doctors · San Diego
The real estate agent who has run a clinic for 18 years.
I help doctors buy homes in San Diego, from a first purchase on a signed contract to space for a practice. After 25 years around physicians, I already know how your contract, your schedule and your student loans shape the search.
01Why doctors call me
Twenty-five years around doctors. Now on your side of the closing table.
- years running a clinic
- 18 years running a clinic
- years working with doctors
- 25 years working with doctors
- hospital boards served
- 2 hospital boards served
- English and Spanish
- EN·ES English and Spanish
02Who I work with
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Residents and new attendings
Buy on your contract, not your bank balance. Many physician loans work before your first paycheck.
How physician loans work -
Established doctors and clinic owners
Upgrades, second homes and space for your practice, from someone who has run one.
See the physician page -
Doctors in Tijuana and Baja
Buy in San Diego with the whole process explained in Spanish.
Ver en español
03How physician loans work
Buy on your contract, not your bank balance.
Get the full breakdown in the playbook- 0–10% down
- Many programs allow little or no down payment for qualifying doctors.
- No PMI
- Most skip private mortgage insurance, even under 20% down.
- Student loans counted differently
- Some lenders use your income-driven payment or set deferred loans aside.
- Qualify on a signed contract
- Many lenders accept your employment contract before your start date.
General information only. This is not a loan offer, tax advice or legal advice. Loan programs, rates and eligibility vary by lender and borrower. Verify terms with a licensed lender. Consult a licensed attorney or CPA for legal and tax questions.
04How it works
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Talk
A 30-minute call about your start date, budget and where you'll work.
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Pre-approval
I introduce you to lenders who do physician loans. You choose one.
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Find the home
We tour, compare and write offers around your schedule. Video tours work too.
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Close
Inspections, appraisal, escrow and keys. I keep every date on track.
05Where doctors buy
Five areas I'm asked about most.
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La Jolla
Coastal and quiet, near UC San Diego Health in La Jolla and Scripps Memorial La Jolla.
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Mission Hills
Older homes on walkable streets, minutes from the Hillcrest hospitals and downtown.
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Coronado
Island living with Sharp Coronado Hospital in town and the bridge to downtown San Diego.
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Chula Vista
More space for the money, near Sharp Chula Vista and Scripps Mercy Chula Vista.
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Eastlake
Newer planned neighborhoods in Chula Vista, with parks, trails and newer homes.
Representative photos.
06Two free guides
Plain-language guides, written for doctors.
Your guide is ready
We also emailed you the link. Check your spam folder if you don't see it in a few minutes.
Download the playbook (PDF)30-second watch
What I learned about doctors and houses
Two hospital boards and 18 years running a clinic taught me this: doctors are brilliant at medicine, but nobody teaches you how to buy a house, and being short on time makes you rush.
The fix is simple. Before you tour a single home, set three things: your max commute, your max monthly payment and your must-haves. Then only see homes that pass all three.
07About Mike
I've worked with doctors for 25 years and have run a clinic for 18. I've served on two hospital boards, so I know how contracts, call schedules and practice finances really work. Now I use that to help doctors buy homes in San Diego.
Read my story Can a resident buy a house before starting a job?
Often, yes: many physician loan programs let you qualify with a signed employment contract and close before your start date, within a window each lender sets.
Do physician loans require a down payment?
Many physician loans allow 0% to 10% down for qualifying doctors; the exact amount depends on the lender, the loan size and your finances.
Does a physician loan have PMI?
Most physician loans do not charge private mortgage insurance, even when you put down less than 20%.
Can a Mexican doctor buy a home in San Diego?
Yes, you don't need US citizenship or residency to own property in California, but financing for buyers without US credit history works differently, so talk to a lender who works with foreign nationals early.
Can a nurse practitioner or PA use a doctor loan?
Some lenders offer physician-style loans to nurse practitioners, physician assistants, dentists, pharmacists or veterinarians, but eligibility varies widely, so ask each lender directly.
09Next step
Let's talk.
Thirty minutes is enough to map your loan options, target neighborhoods and next steps.