Physician Mortgage Loans in California — Low Down Payment, No PMI.
Whether you're practicing in Los Angeles, relocating to San Francisco, or finishing residency at Stanford — Sean Shallis specializes in physician lending nationwide.
As little as 10% down. No PMI. Up to $1M. Student loan-friendly. Originated through a national portfolio lender.
California physicians deserve a lender who gets it.
Sean Shallis is a national physician loan specialist who originates through a national portfolio lender, with the same file and the same underwriter from application to close. He's married to a physician — he understands the student debt, the relocations, the delayed gratification, and the earning curve that makes physicians uniquely qualified borrowers.
Whether you're an attending at Kaiser Permanente, a resident at Stanford, or relocating to Los Angeles for a new role — Sean's physician loan programs are available nationwide with the same white-glove service.
Attending Physicians
MDs, DOs, JDs in California. Up to $1M, as little as 10% down, no PMI.
Residents & Fellows
Training at Stanford? Qualify on your signed contract, not current salary.
Relocating to California
Moving to Los Angeles or San Francisco for a new role? Close before you start.
Construction & Renovation
Building or renovating in California? Single-close construction-to-permanent loans available.
As little as 10% down, no PMI — up to $1M
No private mortgage insurance, regardless of LTV
Underwritten on earning trajectory, not current IBR
Physician-specific processing lane
Sean vs. Typical California Lenders
Most California lenders offer physician loans. Very few offer physician lending strategy.
Serving Physicians Across California
Sean works with physicians at every major California institution — and nationwide.
Physician mortgage loans available for physicians buying or refinancing in Los Angeles.
Physician mortgage loans available for physicians buying or refinancing in San Francisco.
Physician mortgage loans available for physicians buying or refinancing in San Diego.
Physician mortgage loans available for physicians buying or refinancing in Sacramento.
Residents and fellows can qualify with a signed employment contract.
Residents and fellows can qualify with a signed employment contract.
Residents and fellows can qualify with a signed employment contract.
Residents and fellows can qualify with a signed employment contract.
Attending physicians and staff can access physician loan programs.
Attending physicians and staff can access physician loan programs.
Attending physicians and staff can access physician loan programs.
Attending physicians and staff can access physician loan programs.
Physician Loan FAQ — California
Can I get a physician loan if I'm relocating to California?
I'm a resident at Stanford. Can I buy now?
Does Sean work with physicians in Los Angeles and San Francisco?
What are the down payment requirements?
Can I build a home in California with a physician loan?
Is the AI rate monitoring really free?
Ready to see what you qualify for in California?
90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.
Know California before you borrow
How closings work in California
Escrow and title companies run the closing; attorneys are optional, not customary. Expect a signing appointment with a notary rather than a closing table.
Taxes and transfer costs
Property tax is based on the purchase price and reassessed only when the home changes hands, so long-time owners and new buyers next door can pay very different bills. Supplemental tax bills arrive after closing and surprise first-time buyers.
Insurance that shapes the file
Wildfire zones drive insurance availability. In many areas the California FAIR Plan is the insurer of last resort, and a lender needs a bound policy before funding, so start the insurance search the day the offer is accepted.
Where people are buying
Los Angeles · the Bay Area · San Diego · Sacramento · the Inland Empire · Orange County. First-time and lower-down-payment programs run through the California Housing Finance Agency (CalHFA).
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in California →