0% Down - No PMI - Up to $2M
If you’re a physician, dentist, resident, or fellow in Sacramento, you’ve spent years building an exceptional career — but your student loan debt and non-traditional income can make conventional mortgage lenders nervous. The doctor loan program was designed specifically for you. At Reliant Lending, Chris Kennedy (NMLS #971546) has helped hundreds of medical professionals purchase homes in Sacramento, Placer, El Dorado, and Yolo counties using physician mortgage programs that conventional lenders won’t offer.
What Is a Doctor Loan (Physician Mortgage)?
A doctor loan — also called a physician mortgage or physician home loan — is a specialized mortgage program designed to help licensed medical professionals qualify for home financing based on their earning potential rather than their current income or debt-to-income ratio. Because medical school debt is treated differently under these programs, physicians, dentists, and other healthcare professionals can often qualify for home loans with no down payment, no private mortgage insurance (PMI), and higher loan limits than conventional programs allow.
Who Qualifies for a Doctor Loan in Sacramento?
Doctor loan programs typically qualify the following medical professionals:
Medical Doctors (MD) — attending physicians, residents, and fellows
Doctors of Osteopathic Medicine (DO)
Dentists (DDS, DMD) and dental specialists
Optometrists (OD)
Podiatrists (DPM)
Veterinarians (DVM)
Pharmacists (PharmD)
Nurse Practitioners (NP) and Physician Assistants (PA) — program dependent
Medical residents and fellows (even before starting full attending salary)
Key Benefits of the Doctor Loan Program
The doctor loan program through Reliant Lending offers Sacramento-area physicians financing advantages that conventional mortgage programs don’t provide:
0% Down Payment — purchase a home with no money down
No PMI — save hundreds per month with no private mortgage insurance required
Loan amounts up to $2,000,000 — financing for high-value Sacramento-area homes
Student loan debt excluded or treated favorably — doesn’t disqualify you from the program
Available for residents and fellows — qualify even before your attending salary begins
Employment contract accepted as income — start date up to 90 days out qualifies
Fixed and adjustable-rate options — 15, 20, and 30-year terms available
Sacramento Physicians Choose Chris Kennedy at Reliant Lending
Chris Kennedy (NMLS #971546) is a Sacramento-based mortgage broker with over 25 years of experience helping medical professionals navigate the home buying process. As a broker at Reliant Lending (NMLS Branch #356310, DRE #01759672), located at 2100 Northrop Ave Suite 900, Sacramento, CA 95825, Chris has direct access to multiple physician loan programs from different lenders — meaning you get the best available terms, not just what one bank offers.
Chris specializes in VA loans, FHA loans, conventional loans, jumbo loans, and physician mortgage programs for doctors and dentists throughout Sacramento, Placer, El Dorado, and Yolo counties. With a 5.0-star rating across 140+ verified reviews, Sacramento physicians trust Chris Kennedy to close their loans on time and without surprises. Call (916) 794-0777 or email chris@thechriskennedyteam.com to get started.
Frequently Asked Questions: Doctor Loans in Sacramento
What is the maximum loan amount for a doctor loan in Sacramento?
Physician loan programs available through Reliant Lending can finance homes up to $2,000,000 with 0% down payment and no PMI. Exact loan limits may vary by lender and your specific qualifications as a medical professional.
Can medical residents and fellows qualify for a doctor loan?
Yes. Medical residents and fellows can qualify for physician home loans before their attending physician salary begins. Lenders use a signed employment contract to qualify you based on your future income.
Do I need a large down payment for a physician mortgage in Sacramento?
No. Most physician loan programs offer 0% down payment options, meaning you can purchase a home with no money down. With a 680+ FICO score, you can finance up to $1,500,000 with no down payment and no PMI. With a 720+ FICO score, that limit increases to $2,000,000. If you prefer to put something down, 5% options are also available.
CAN I BUY A NEW HOME IN SACRAMENTO IF I ALREADY OWN A HOME ELSEWHERE?
Not necessarily. The physician loan program includes a departure residence provision that allows your current home to be sold or converted to a rental while you purchase in Sacramento — without requiring your existing home to close first. This gives relocating physicians much more flexibility than conventional loan programs allow.
WHAT SACRAMENTO-AREA NEIGHBORHOODS ARE POPULAR WITH PHYSICIANS?
Sacramento-area physicians relocating for positions at UC Davis Health, Sutter, Kaiser, and other systems frequently choose neighborhoods based on commute and lifestyle preferences. Elk Grove, Roseville, Folsom, and Land Park are all popular options — each with a different feel and price point. Happy to share what’s working for physicians at specific hospital systems when you’re ready to talk.
Ready to Get Pre-Approved for a Doctor Loan in Sacramento?
Whether you’re six months out from your start date, mid-residency, or already searching Zillow at midnight — let’s talk. I’m Chris Kennedy, and I work with physicians across the Sacramento region every day. I’ll walk you through your options, give you straight numbers, and help you get into your home without the runaround.
Call or text: (916) 799-3256
Email: chris@thechriskennedyteam.com
NMLS #971546 | Reliant Lending | NMLS Branch #356310