Free guide
The Physician Home Buyer's Playbook
Everything a doctor should know before buying in San Diego, in one short guide.
What's inside
- Physician, conventional and VA loans compared side by side
- A contract-to-keys timeline you can plan your move around
- The catches, and the questions to ask every lender
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Download the playbook (PDF)¿Prefieres español? Descarga la guía para médicos en México.
Key points from the guide
- 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.
- Watch for
- Rates can be higher than a conventional loan. Compare both.
- Low down payment means less equity if prices drop.
- Usually for a primary residence only, not rentals or second homes.
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.