Doctor Loans for residents & physicians

Zero down. Up to $2MM. Built for doctors.

Explore Doctor Loan options designed for residents, fellows and physicians—with eligible gift funds and case-by-case student-debt flexibility.

Eligible buyers may purchase sooner without a traditional down payment.

Explore My Zero-Down Options

Program terms, availability and eligibility are subject to lender review and may change.

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Step 1 of 2About 45 seconds

A quick starting point

Could a Doctor Loan work for you?

Choose your medical career stage to start a personal review of the options that may fit.

Resident or fellowCurrently in graduate medical training Starting practiceNew attending or beginning a new role Established physicianAlready practicing and considering a purchase Something elseTell Roy during your conversation

When are you considering a home purchase?

1. RequestSend your details
2. ConversationRoy follows up
3. OptionsReview next steps

Direct to Roy

How should Roy reach you?

Required fields are marked with an asterisk.

First name

Last name

Phone number

We collect the information entered here to respond to your mortgage inquiry, review potential program eligibility, communicate with you and maintain required business records. See our Privacy Policy and Notice at Collection.

Your information is transmitted securely and used to respond to your request.

Zero money downEligible purchase financing up to $2MM

Eligible gift fundsMay be allowed under program guidelines

Student-debt flexibilityMay be excluded case by case

Roy ElahiO.H.B. · NMLS 251866

A real person, not a call center

Personal guidance for an important decision.

Doctor Loan questions do not always fit neatly into a standard mortgage checklist. Roy provides a direct point of contact to discuss your career stage, student-loan treatment and home-buying goals.

Local loan consultant
Timely, accurate communication
Doctor Loan program review
Clear next steps

Simple next steps

See what may be possible in about a minute.

Share a few details and Roy will personally review which Doctor Loan features may fit your situation.

Send your request

Provide your name, contact information and current career stage.

Discuss your goals

Roy follows up to learn more about your home purchase and questions.

Review next steps

If the program may fit, Roy explains the appropriate next step in the mortgage process.

Frequently asked questions

Start with the essentials.

Program details can vary, so a personal review is the best way to understand what may apply to your situation.

Can I request a review before my attending job starts?

Yes. Roy can discuss your expected employment timing and the documentation a lender may require. Final eligibility depends on the applicable program and lender review.

Can student loans be excluded from debt calculations?

Student loans may be excluded from debt calculations on a case-by-case basis. Roy can review the applicable program requirements with you.

Are gift funds allowed?

Gift funds are listed as an available program feature. The amount, source and documentation remain subject to lender requirements.

Does submitting this form mean I am approved?

No. Submitting the form requests contact and a program conversation; it is not a mortgage application, commitment to lend or loan approval.

What happens after I submit?

Roy receives your request and uses the contact information you provided to follow up. You will also be offered the option to choose a consultation time through Calendly.

What if I would rather talk now?

Call Roy directly at (925) 487-7075. Business hours are Monday–Friday, 9 a.m.–5 p.m., and Saturday, 9 a.m.–5 p.m.

Stop letting the down payment delay your move.

Explore eligible zero-down financing up to $2MM, gift-fund flexibility and case-by-case student-debt treatment.

Explore My Zero-Down Options Call Roy