Medical Professional Loan Program
Doctor & Physician Mortgage Loans
No PMI. Up to 100% financing. Loans to $2 million. Designed for the unique financial profile of medical professionals in California.
Program Highlights
Key parameters of the Sun West Non-Conforming Medical Professional Loan Program.
Up to 100% LTV
Zero down payment available for primary residence purchases — no PMI required.
Loans to $2 Million
Non-conforming loan amounts up to $2,000,000 for qualifying medical professionals.
No Mortgage Insurance
PMI is not required on this program, keeping your monthly payment lower.
Flexible DTI to 50%
Debt-to-income ratios up to 50% accommodate student loan debt common among physicians.
Minimum 680 FICO
Competitive credit score threshold designed for professionals building their financial profile.
Primary Residence Only
Program applies to owner-occupied primary residences — not investment or vacation properties.
Available Loan Structures
Choose the loan term and rate structure that fits your financial goals.
Fixed-Rate Mortgages (FRM)
- 15-Year Fixed
- 20-Year Fixed
- 25-Year Fixed
- 30-Year Fixed
Adjustable-Rate Mortgages (ARM)
- 5/6 ARM
- 7/6 ARM
- 10/6 ARM
Eligible Property Types
- Single-Family Residence (SFR)
- Planned Unit Development (PUD)
- Condominium
- Townhouse
1-unit properties only. Primary residence occupancy required.
Who Qualifies
This program is available to licensed medical professionals holding one of the following degrees or designations. Residents, fellows, and interns holding a qualifying degree are also eligible.
| Medical Professional | Qualifying Degree(s) |
|---|---|
| Medical Doctors & Osteopaths | MD, DO |
| Dental Professionals | DDS, DMD |
| Ophthalmologists & Psychiatrists | MD or DO (specialist) |
| Podiatrists | DPM |
| Pharmacists | PharmD |
| Veterinarians | VMD, DVM |
| Certified Registered Nurse Anesthetists | CRNA |
| Medical Residents, Fellows & Interns | Holding any qualifying degree above |
Why Work With Isaac Brooks
Isaac Brooks has over 25 years of experience helping California medical professionals navigate the mortgage process. From residency to attending, he understands the financial complexities — student loan debt, delayed income, and non-traditional employment histories — that make standard loan programs a poor fit for physicians.
NMLS #1608346 · CA DRE #4139 · Licensed in California
Frequently Asked Questions
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Specialized programs available
Loan programs are offered through Sun West Mortgage Company, Inc. (NMLS #3277). All loans subject to credit approval, underwriting review, and property eligibility. Not all applicants will qualify. Loan terms, rates, and program availability are subject to change without notice. This is not a commitment to lend. Brooks Mortgage, Inc. NMLS #1608346. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4139. Equal Housing Lender.