Explore your VA home loan benefit.
A physician with eligible military service may have more than one path. Learn about VA eligibility, funding fees and homebuying steps.
Visit the California VA Home Loan Guide ↗VAHomeLoanServices.comTHE PHYSICIAN HOME LOAN LIBRARYKnow your options.
Know your options.
Move with clarity.
Useful answers for the financial path you’re on. Start with the basics or go straight to the question on your mind.
Compare medical-professional programs →01⌂
START HERE · 4 MIN READ
Physician loans in California, explained.
A physician mortgage is a home loan designed around the financial path of eligible medical professionals. The right fit depends on more than your degree.
Read the guide ↗02↗
EARLY CAREER · 4 MIN READ
Buying during residency or fellowship.
A new city, a new program, and a demanding schedule. Your mortgage plan should account for all three.
Read the guide ↗03✳
1099 & CONTRACT INCOME · 4 MIN READ
New to 1099? Start with a closer look.
A new medical contract may offer a path to a home loan before you have two years of 1099 income. The details of that contract matter.
Read the guide ↗04⌂
STUDENT DEBT · 3 MIN READ
Student loans and your mortgage plan.
Your student-loan balance is only part of the picture. Payment status and the mortgage lender’s rules matter too.
Read the guide ↗05↗
MAKE THE COMPARISON · 4 MIN READ
Physician, conventional, or jumbo?
The most useful comparison is the complete cost and flexibility of the loans you actually qualify for.
Read the guide ↗06✳
GET PREPARED · 3 MIN READ
Your physician homebuying checklist.
A practical starting point for the first conversation, the application, and the weeks before closing.
Read the guide ↗07⌂
PROFESSIONS & DEGREES · 4 MIN READ
Physician loans are not only for MDs.
Dentists, advanced nursing professionals and other eligible medical professionals may have options. Your degree and the program both matter.
Read the guide ↗08↗
CONTRACT & START DATE · 4 MIN READ
Can you buy before your new medical job starts?
A signed offer may help you plan a move before the first paycheck. Match the closing date to the right income rules.
Read the guide ↗The right information.
For your next question.
Our websites each have a focus. Follow the one that fits what you want to learn next—all with Sasha and Team Windes at Local Lenders Group.
Look at the rest of your options.
Compare conventional, jumbo, self-employed and investment-property financing with Sasha. A medical career does not limit you to a physician loan.
Explore Sasha’s mortgage options ↗SashaWindes.comGet to know Team Windes.
Meet the team at Local Lenders Group and explore broader mortgage education for California buyers and homeowners.
Visit Team Windes ↗TeamWindes.comInformation is a starting point. Your scenario is personal.
These guides are educational. Program rules change and your eligibility needs an individual review.
Talk with Sasha ↗