Physician loan San Diego
Amir Nurani · NMLS #197458 · (619) 366-9494
Get Pre-Approved (619) 366-9494
A physician or doctor mortgage in San Diego is a path some lenders offer for licensed clinicians. It is not a zero-down guarantee and not a rate. Credit, the employment contract, and the property still have to work. Call (619) 366-9494.
What is a physician or doctor mortgage path in San Diego?
Some lenders offer overlays for licensed clinicians. That can include MDs, DOs, and similar contracts. It is a path, not a product name on this page, and not a rate. Credit still has to work. The employment contract still has to work. This page does not invent a zero-down guarantee.
Left Coast Leaders is a San Diego mortgage broker. Licensed in California. Company NMLS 2394495. Amir Nurani NMLS 197458. Company DRE 02191517. Amir DRE 02106803. We serve San Diego County and Riverside County. We shop physician overlays next to conventional, VA, and FHA on the same file. See San Diego mortgage rates for why a published rate is not your lock.
Does a doctor title mean zero down or a skipped credit check?
No. Do not treat a physician title as a zero-down guarantee. Down payment depends on the lender, the overlay, the contract, and the rest of the file. Credit still has to work. Student loans still show on the file even when a lender treats them under a specific overlay. We will tell you what the actual guideline is, not what a blog promised residents last year.
Residents, fellows, and attending physicians are not the same contract. A signed offer letter is not the same as a W-2 already in payroll. Call (619) 366-9494 with the contract before you write.
How do 2026 San Diego loan limits still apply?
The test is loan amount, not list price and not a medical title. For a 1-unit property in San Diego County, high-cost conforming is $1,104,000. Baseline conforming is $832,750. Amounts from $832,751 through $1,104,000 are high-balance. Above $1,104,000 is generally jumbo. Confirm on 2026 San Diego loan limits.
| Item | 2026 figure |
|---|---|
| 1-unit high-cost conforming | $1,104,000 |
| 1-unit baseline conforming | $832,750 |
| High-balance conforming (1-unit) | $832,751 through $1,104,000 |
| Jumbo (1-unit conventional) | Above $1,104,000 |
| VA full entitlement | Not capped by the old county VA limit |
| FHA typical down | 3.5% |
VA with full entitlement is not capped by the old county VA limit if you have the benefit. FHA typical down is 3.5% and is a primary-occupancy program. A physician overlay does not replace those facts.
How do we work a physician file here?
Send the contract, credit picture, down payment, and the property type. We shop wholesale lenders as a broker, not a one-portfolio bank. Use the mortgage calculator for a payment sketch. Writing an offer? The San Diego offer sheet puts the number on paper. Already own and comparing a new first loan? See Refinance San Diego.
We work these files in La Jolla, Carlsbad, Coronado, Encinitas, and Chula Vista, plus Riverside County. Get a real number with Get Pre-Approved or call (619) 366-9494.
Frequently asked questions
It is a path some lenders offer for licensed clinicians. It is not a zero-down guarantee and not a rate. Credit, the employment contract, and the property still have to work.
No. Do not treat a doctor title as a zero-down guarantee. Down payment depends on the lender, the overlay, the contract, and the rest of the file. Call (619) 366-9494.
Yes. Credit still has to work. The contract still has to work. A physician overlay is not a bypass around underwriting.
Sometimes, when the contract, credit, and lender overlay fit. That is a file-level question, not a webpage promise.
The test is still loan amount. 2026 1-unit high-cost conforming in San Diego County is $1,104,000. Baseline is $832,750. VA with full entitlement is not capped by the old county VA limit. FHA typical down is 3.5%.
No. This page is program path, not a rate quote. See San Diego mortgage rates for why a published number is not your lock.
Need a physician-path number?
Get pre-approved. Credit and the contract still have to work. We do not invent a zero-down guarantee.
Get Pre-ApprovedLeft Coast Leaders, Inc. · San Diego, CA 92111 · (619) 366-9494 · NMLS #2394495 · DRE #02191517 · Amir Nurani NMLS #197458 · Amir Nurani DRE #02106803 · Equal Housing Lender