Physician Home Mortgage · Elite Home Mortgages, powered by NEXA Mortgage · Corp NMLS #1660690

Casey Murray · NMLS #452518 · NMLS Consumer Access

(559) 392-5009

The mortgage
built for
physicians.

0% down. No PMI. High loan limits. We underwrite your future income and exclude student debt from your DTI. Secure the home you deserve, today.

0%

Down up to $1M

$0

PMI, ever

90 days

Close before you start

Get pre-approved

A licensed specialist will follow up. No obligation.

By submitting, you agree to be contacted by phone, text, or email about loan options. This is not a commitment to lend or an offer of credit.

Underwriting built around your career, not against it

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.

Underwriting that understands your profession

Generic lenders look at your student debt and see risk. We look at your medical degree and see a pristine credit profile.

We exclude IBR student loan payments from your DTI, allowing you to qualify for the home you actually want.

Medical Doctors (MD, DO)

Dentists (DDS, DMD)

Veterinarians (DVM)

Optometrists (OD)

Podiatrists (DPM)

Residents & Fellows

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.

Consultation

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

Pre-Approval

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

House Hunting

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

Closing

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

Physician loan calculator

Model your purchase scenario with zero down and zero PMI.

Home Price

$750,000

Down Payment

0% ($0)

Interest Rate (%)

Term (Years)

Property Tax (%)

Annual Insurance ($)

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.

Frequently asked questions

Clear, transparent answers about our specialty lending programs.

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.

Why don't you charge PMI?

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.

Can I close before my new job starts?

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.

Is there a maximum age for this loan?

No. Physician loans are available throughout your career, from residents to attending physicians to established practice owners. There is no age cap

Do I need cash reserves?

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.

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.

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.

Specialized mortgage lending designed exclusively for medical professionals. 0% down, no PMI, and underwriting that understands your career trajectory.

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.

The mortgage built for physicians.

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