Who writes this, and what we leave out on purpose
Program and regulatory figures verified October 5, 2026. Details change; confirm your scenario with us.
A short page about method, because in a category this full of recycled claims the method is what makes the figures worth anything.
Where the numbers come from
| Source | Date | What it governs |
|---|---|---|
| ACGME Data Resource Book | AY 2024-2025 | Programme and resident counts, state and national |
| HCAI loan repayment pages | read 2026-10-05 | Thompson and CA-SLRP status, awards, eligibility |
| UC San Diego Health | read 2026-10-05 | 93 programmes, 1,100 trainees |
| FHFA | 2026 limits | County conforming limits |
| Zillow Research | as of 2026-08-31 | Typical values and days to pending |
| Sequoia Medical Professionals Program guide | v1.1, eff. 2026-03-02 | Programme terms and eligible degrees |
★ What we deliberately leave off
Residency counts for systems that do not publish one. UC San Diego Health states 93 programmes and 1,100 trainees, so we print it. UCSF, UCLA Health, UC Davis Health, Stanford Medicine and Cedars-Sinai do not publish a comparable figure in a form we could read, so there is no number next to their names. Filling that column would have been easy and wrong.
Rates, APRs and payment figures. None anywhere.
Promises about the outcome. A physician loan is underwritten with lender overlays, so no page here tells you an approval is certain or that a profession is automatically accepted. That kind of language is both untrue and a consumer-protection problem.
Licensure, visa, immigration and residency-contract advice. We are lenders. Those questions belong to your board, your employer, and where relevant an attorney.
Claims that a profession qualifies beyond what the programme guide lists.
Any suggestion that a loan-repayment award counts as income. It does not, and in California both programmes are closed anyway.
Why every figure carries a date
Because this category's facts expire. In May 2026 a page saying "apply for the Thompson programme" would have been correct. The same sentence today sends a California physician to a closed application cycle that does not reopen until May 2027 — and nothing about the sentence looks stale.
So every programme status here carries the date we read it, and the loan limits carry the year they were set. Check our date against the operator's before you act on anything. The clearest example.
Frequently asked questions
Who runs this California physician loan site?
Mike Certo, Branch Manager at Cornerstone First Mortgage, NMLS #260555, company NMLS #173855. The site covers California statewide across all 58 counties.Where do the residency figures on this site come from?
The ACGME Data Resource Book for academic year 2024-2025 for state and national counts, and UC San Diego Health's own published figures for that system. No residency count is published for systems that do not publish one.Why are there no interest rates on this site?
Because we publish no rates, APRs or payment figures anywhere. A payment estimate without a locked rate and a real file behind it is a number people plan around to their cost.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal, tax, or licensure advice. Physician-loan program terms, eligible degrees, and overlays are set by the lender and change; California loan-repayment program terms and application cycles change too. Confirm your scenario with us and your program administrator. All loans are subject to borrower and property qualification, including credit and income review.