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Doctor Loan Program in Los Angeles — High-LTV, Fast Closing
Exclusive Physician Home Financing for Los Angeles Buyers
Los Angeles is one of the most competitive housing markets in the country, and securing financing here can be challenging, especially with jumbo prices and student loan obligations.
Cohen Financial Group specializes in doctor loan programs in Beverly Hills and Los Angeles. We offer high-LTV options, no PMI, flexible student loan treatment, and fast underwriting.
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Why Los Angeles Doctors Choose
Cohen Financial Group
Up to 90–100% Financing (Jumbo Included)
Los Angeles is a jumbo market. We regularly close 5% down, and 10% down loans up to the $2M–$3M+ range.
No PMI
Physician mortgages eliminate PMI entirely, even at high LTVs. This boosts your purchasing power dramatically in LA.
Underwriting Built for Medical Professionals
Perfect for borrowers with:
- Significant student loan balances
- Deferred or income-driven repayment (IDR)
- Employment contracts starting within 60–90 days
- Multiple income sources
- Fellowship or residency income
- High leverage / minimal reserves
Lower Reserve Requirements
We frequently close doctor loans with only three months of reserves, even for jumbo borrowers.
Fast, White-Glove Execution
Our team is built for speed. We often close doctor loans in 10–21 days, even with complex financials.
Direct Access to Mark Cohen
No layers. No waiting. High-level strategy from the #1 mortgage broker in the U.S.
Who Qualifies
Who Qualifies for
Doctor Loans?
Los Angeles physician loan programs are available for:
- MD, DO
- DDS / DMD
- DVM
- PharmD
- Residents & Fellows
- Select medical professionals (case-by-case)
Doctor Loan
Requirements
Every lender differs, but many programs accept:
- 700+ FICO
- Signed LA employment contract (60–90 days out)
- Gift funds permitted
- Reserves as low as three months
- Flexible treatment of student loans
- High LTV jumbo approvals (up to $3M+)
How Los Angeles Doctor Loans Differ From
Conventional or Jumbo Loans
| Feature |
|---|
| Minimum Down Payment |
| PMI |
| Student Loan Treatment |
| Employment Start Date |
| Reserves |
| Ideal For |
| Doctor Loan |
|---|
| 0-10% |
| No PMI |
| Flexible |
| 60-90 days out |
| 3 months possible |
| LA medical professionals |
| Conventional |
|---|
| -20% |
| Required under 20% down |
| Standard DTI |
| Must be active |
| 6-12 months |
| Standard buyers |
| Jumbo |
|---|
| 20% |
| Rare |
| Strict DTI |
| Must be active |
| 12+ months |
| High-asset buyers |
Refinancing an Existing Doctor’s Loan in Los Angeles
Many LA physicians refinance after their income rises, residency ends, or they want better terms. A doctor loan refinance can reduce payments, switch from an ARM to a fixed rate, or unlock home equity — all with physician-adaptive underwriting.
Why Physicians Refinance With Us
- Lower rates with stronger income
- Switch ARM → fixed
- Cash-out for renovations or investments
- Portfolio jumbo flexibility
- Better student loan treatment
How the Process Works
- Rate comparison + pricing analysis
- Updated income and asset review
- Student loan recalculation under physician rules
- Choose rate-term vs cash-out
- Fast, streamlined closing
Who Should Consider Refinancing?
You may benefit if:
- Your income increased
- Your ARM reset is approaching
- You want to tap equity
- You purchased with minimal down
- Rates have improved
Recent Los Angeles Doctor Loan Closings
FAQs
Frequently Asked Questions (FAQ)
Yes — physician loan programs are specifically designed for high-cost markets like LA.
No. PMI is typically waived up to 90–100% financing.
Yes. Employment contracts are fully acceptable.
Not with physician underwriting. Lenders use reduced or modified payments.
We compare your current rate to new physician-refi programs, evaluate updated income, and structure rate-term or cash-out options with fast underwriting.
Contact Us
Refinance Form
Your Home.
Your Equity.
Your Move.
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