Physician Home Mortgage · Elite Home Mortgages, powered by NEXA Mortgage ·

Kurt Goetz · NMLS #244685 · NMLS Consumer Access

(559) 392-5009

Get Pre-Approved
  • California Physician Home Loans

The mortgage
built for
physicians.

California Physician Home Loans. 0% down. No PMI. Qualify on your signed offer letter, not your student loans. Built for physicians, residents, and fellows.

Get Pre-Approved
Call (559) 392-5009

0%

Down up to $1M

$0

PMI, ever

90 days

Close before you start

Backed by NEXA Lending and access to a wide range of loan programs. Licensed in 9 states. NMLS #244685.

  • Why a physician loan

California Physician Mortgage Programs Built Around Your Career

Traditional mortgages penalize high student debt and require years of employment history. Our programs are designed specifically for your career trajectory.

0% Down Payment

Keep your capital liquid. Purchase a home up to $1M with zero down, with low down-payment options available up to $2M.

No Private Mortgage Insurance

Save hundreds of dollars every month. We never require PMI, even with a zero down payment.

Future Income Used

Closing on a home before you start? We can close up to 90 days before your new employment contract begins.

Physician Home Loan Underwriting That Understands Your Career

California physician home loans are designed around the unique financial circumstances of physicians, including student debt, residency or fellowship income, and future employment. Flexible underwriting may consider physician income and career potential while addressing limitations that can make traditional mortgage qualification more challenging.

Medical Doctors (MD, DO)

Dentists (DDS, DMD)

Veterinarians (DVM)

Optometrists (OD)

Podiatrists (DPM)

Residents & Fellows

  • How it works

A process built for your schedule

We have removed the friction from traditional mortgage lending. Here is how we get you from application to keys in hand.

1

Consultation

A 15-minute introductory call scheduled around your shifts. We discuss your situation, including student debt and future earnings.

2

Pre-Approval

Upload documents through our secure portal. We provide a physician-specific pre-approval letter within 24 hours, even with zero down.

3

House Hunting

Shop with confidence. Your specialist stays in contact with your realtor to update numbers as you find the right property.

4

Closing

Our concierge closing service coordinates everything with the title company for a smooth final signing.

  • Estimate

California Physician Home Loan Calculator

Estimate your potential monthly payment, down payment and physician mortgage scenario.

Home Price
$750,000
Down Payment
0% ($0)
ESTIMATED MONTHLY PAYMENT
$5,616
Principal & Interest$4,741
Property Taxes$750
Home Insurance$125
Private Mortgage Insurance$0
0% down available up to $1M. 5% down for $1M to $1.5M. Estimate only, not a quote or commitment to lend.
  • FAQ

Frequently asked questions

Clear, transparent answers about our specialty lending programs.

What is a California physician home loan?
A California physician home loan is a mortgage program designed for eligible medical professionals and may provide flexible underwriting options based on their career and income.
Eligible borrowers may qualify for 100% financing on qualifying loan amounts, subject to program guidelines and approval.
Eligible physician mortgage programs may offer financing without private mortgage insurance, even with a low or zero down payment.
Yes, eligible residents and fellows may qualify, including situations where future employment income is considered under program guidelines.
Loan limits and down-payment requirements vary based on the program, borrower qualifications and property. Contact the loan specialist for current options.
Do I really not need a down payment?

For loan amounts up to $1,000,000, we offer 100% financing (zero down payment). For loans up to $1,500,000, we require a 5% down payment. For loans up to $2,000,000, we require a 10% down payment.

Physicians have historically low default rates. Our underwriting model treats medical professionals as low-risk borrowers, so we waive PMI entirely, even with a zero down payment.
Yes. We can close up to 90 days before your new employment contract begins, using your future income to qualify. Just provide a signed contract from your employer.
No. Physician loans are available throughout your career, from residents to attending physicians to established practice owners. There is no age cap


For most loan amounts under $1M, no cash reserves are required. For higher loan amounts, we typically require 2 to 6 months of mortgage payments in reserves, which can include retirement accounts.

What Our Clients Say

Caroline from Fresno, CA

The best first time buyer experience

Kurt was very helpful and knowledgeable I had a fast and great experience with him and his team. I was a first time home buyer and I felt comfortable knowing he would guide me in the right direction and very honest.

Nanders72 from Clovis, CA

Kurt is the best at what he does

Kurt did an amazing job. Never had a home purchase so smooth and hassle free. Will only use Kurt in the future! He presents you with multiple options and does not cookie cutter anything,.

US3simpson9 from Clovis, CA

Talk about great service

I was kept informed even step of the way. If I had a question I received an answer promptly. This is hands down the best lender experience I have ever had!

Jamie Simpson from Fresno, CA

Knowledgeable and kind

Kurt is very knowledgeable and has a lot of experience. He explained things and answered any questions that came up through the process. I would recommend him to a friend!

Central Valley Home from Clovis, CA

Highly recommend

It was a great and smooth process even though it was a bit complex. I highly recommend Kurt for your mortgage needs. He completed our file in a timely manner when we were in a time crunch

David Soto from Clovis, CA

Great Experience

Kurt from NEXA was a big help to me and my wife when we were in the process of buying our first home. He made the entire process simple and easy to understand.

Jamesdoyle1513 from Savannah, GA

Kurt was Amazing

Would 100% recommend Kurt. He was incredibly helpful and always answered questions quickly. I think everyone should use Kurt and his team for any home purchase.

Monica odeh from Fresno, CA

Easy process!

Thank you Kurt for making the home purchase and loan process shameless and effortless! No question was left unanswered! I highly recommend working with Kurt.

Johnalbertsen1969197 from Clovis, CA

Great Communication

Kurt and his associates were always available to answer questions. He did a great job and was very responsive. He also gave weekly updates on Friday which I thought was a nice touch.

JennilynAngelita Ber from Clovis, CA

PRMG

The lender is transparent, communicative, and solution-oriented. They prioritize your financial well-being by clearly explaining loan terms, offering competitive interest rates, and providing personalized support without pressure tactics.

GPAV7157 from Fresno, CA

Kurt the Goat

Kurt and the team was phenomenal throughout the whole process kept clear communication and everything was seamless. Would recommend Kurt & team to anyone and everyone thank you, Kurt

MikeGale65 from Fresno, CA

Stress Free

I had a great experience working with Kurt. He was professional, knowledgeable, and always took the time to explain each step of the loan process clearly. He was responsive, patient, and made what could have been a stressful experience feel smooth and manageable. I truly appreciated his dedication, attention to detail, and commitment to helping me find the right solution. I would highly recommend Kurt to anyone looking for a trustworthy and reliable loan officer. I LOVE his Friday updates!!

Kurt Goetz

Your California Physician Loan Specialist
Kurt is your dedicated loan officer from first call to closing, reachable directly. With years of lending experience and access to a wide range of loan options through NEXA Lending, he gives California medical professionals more flexibility than a one-size-fits-all lender, paired with hands-on, relationship-based service.
Call (559) 392-5009
Get Pre-Approved

Kurt Goetz · NMLS #244685 · Kurt Goetz Team, Empowered by NEXA Lending · 8080 N Palm Ave #205, Fresno, CA 93711

Ready for a mortgage partner who speaks your language?

Our specialists understand residency, fellowship, and the unique trajectory of a medical career. Start with a few quick details, no cost and no obligation.
Get Pre-Approved
Call (559) 392-5009
Specialized mortgage lending designed exclusively for medical professionals. 0% down, no PMI, and underwriting that understands your career trajectory.
  • Equal Housing Lender
  • Equal Housing Opportunity

Kurt Goetz, NMLS #244685. Kurt Goetz Team, Empowered by NEXA Lending, LLC. Corporate NMLS #1660690. 5559 S Sossaman Rd, Bldg #1, Ste #101, Mesa, AZ 85212. Branch: 8080 N Palm Ave #205, Fresno, CA 93711.

Licensed in AZ, CA, FL, GA, ID, NC, NM, SC, and TX. AZ Mortgage Banker License #BK-2006218.

For licensing information, visit www.nmlsconsumeraccess.org.

This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, income verification, and property appraisal. Program terms, rates, and availability are subject to change without notice and may vary by state. Not all applicants will qualify. Equal Housing Lender.
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