Tell us the county, the degree, and the start date
Program and regulatory figures verified October 5, 2026. Details change; confirm your scenario with us.
The fastest route to a useful answer is your county, your credential, roughly what you earn, and what your student loans actually cost you each month.
What should I send?
County, degree, your start date if you have not begun yet, approximate income, and your student loan balance with the documented monthly payment.
That lets us check the county's conforming limit, whether the purchase sits in the gap below $2M, whether the 150-day window applies, and what the debt does to the file — in one pass.
What comes back?
What the programme supports at your numbers, where your county's limit sits relative to your price range, and an honest read on whether a physician loan is actually the right product for you. Sometimes it is not — if your file clears conventionally with a deposit, we will say so. Where each route wins.
★ If any part of your plan assumed a California loan-repayment award, raise it. Both state physician programmes are closed, reopening May 2027 and July 2027, and an ungranted award is not income a lender can use. The status.
Do you lend across all of California?
Yes, statewide across all 58 counties. What varies is the conforming limit — $832,750 in 41 counties, $1,249,125 in 10, across 9 distinct values — and how far your local market sits above or below it.
What does not vary is the programme: the same eligible-degree list, the same $2M ceiling, the same student-debt treatment, everywhere in the state.
Frequently asked questions
How do I apply for a California physician loan?
Through a lender that offers the programme. Send your county, degree, start date, approximate income and your student loan balance with the documented monthly payment, and we can tell you what the programme supports before you start looking.Do you lend across all of California?
Yes, statewide across all 58 counties. The conforming limit varies from $832,750 in 41 counties to $1,249,125 in ten, across nine distinct values, but the programme terms are the same everywhere in the state.What should I bring to a physician loan conversation?
Your county, your degree, your employment start date if you have not begun, approximate income, and student loan documentation showing the actual scheduled monthly payment, since that is usually what decides the price you can reach.How quickly will someone respond?
Our team reviews every California physician scenario and reaches out shortly, usually with what the programme supports at your numbers and an honest read on whether a physician loan is the right product for you. If something is time sensitive, calling (480) 296-6513 is faster than the form.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.