Physician Loans · California

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.

Up to $2.5M. As little as 5% down. No PMI. Student loan-friendly. Loans originated through U.S. Bank.

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90-second rate check No credit impact Free forever
Physician Lending in California

California physicians deserve a lender who gets it.

Sean Shallis is a national physician loan specialist backed by U.S. Bank. 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 Angelesfor a new role — Sean's physician loan programs are available nationwide with the same white-glove service.

01
Talk to Rosie
Tell Rosie about your California home search or current mortgage. 90 seconds, no forms, no credit impact.
02
Rosie Watches
Rosie monitors California rates multiple times a day. She knows your loan structure and alerts you when savings windows open.
03
Sean Closes It
When the window opens, Sean calls you personally. One phone call. White glove. Loans originated through U.S. Bank.

Attending Physicians

MDs, DOs, JDs in California. Up to $2.5M, as little as 5% 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.

5%
Down Payment

As little as 5% down on loans up to $1M — no PMI

$0
PMI — Ever

No private mortgage insurance, regardless of LTV

Flexible
Student Loan DTI

Underwritten on earning trajectory, not current IBR

30 Days
Average Close

Physician-specific processing lane

Sean + U.S. Bank vs. California Lenders

Most California lenders offer physician loans. Very few offer physician lending strategy.

Feature
Sean + U.S. Bank
Typical CA Lender
As little as 5% down, no PMI
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No PMI at any LTV
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Student loan-friendly DTI
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Portfolio lender (keeps your loan)
—
Free rate renegotiation before funding
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AI rate monitoring (Rosie)
—
Lifetime relationship with your loan officer
—
Available nationwide
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Serving Physicians Across California

Sean works with physicians at every major California institution — and nationwide.

Los Angeles, CA

Physician mortgage loans available for physicians buying or refinancing in Los Angeles.

San Francisco, CA

Physician mortgage loans available for physicians buying or refinancing in San Francisco.

San Diego, CA

Physician mortgage loans available for physicians buying or refinancing in San Diego.

Sacramento, CA

Physician mortgage loans available for physicians buying or refinancing in Sacramento.

Stanford

Residents and fellows can qualify with a signed employment contract.

UCSF

Residents and fellows can qualify with a signed employment contract.

UCLA David Geffen

Residents and fellows can qualify with a signed employment contract.

USC Keck

Residents and fellows can qualify with a signed employment contract.

Kaiser Permanente

Attending physicians and staff can access physician loan programs.

Cedars-Sinai

Attending physicians and staff can access physician loan programs.

Sutter Health

Attending physicians and staff can access physician loan programs.

Stanford Health Care

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?
Absolutely. Sean works with physicians relocating to California every month. You can close before you start your new role — all you need is a signed employment contract. Sean handles the timing so you can focus on the move.
I'm a resident at Stanford. Can I buy now?
Yes. Physician loan programs let you qualify based on your attending salary — not your resident income. Many California residents buy 60-90 days before starting their attending role.
Does Sean work with physicians in Los Angeles and San Francisco?
Sean is licensed nationwide and works with physicians in every California city. U.S. Bank provides the same physician loan programs regardless of location.
What are the down payment requirements?
No catch. Physician loan programs exist because banks recognize doctors as low-risk borrowers with high earning trajectories. U.S. Bank portfolios these loans — they want the long-term relationship.
Can I build a home in California with a physician loan?
Yes. U.S. Bank offers construction-to-permanent loans that combine your build financing and permanent mortgage into a single close. Available for physician-qualified borrowers building in California.
Is the AI rate monitoring really free?
Zero cost, forever. Rosie monitors your rate multiple times a day and alerts you when savings windows open. No subscription, no hidden fees. Sean built it because physicians are too busy to track rates themselves.

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.

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