NMLS #339255

Get Pre-Approved

Why the Doctor Loan

A mortgage built around your career, not your savings.

Traditional lenders see your student loans and hesitate. We see your credentials, your trajectory, and your future — and we say yes.

Zero Down Payment
Purchase up to $2,000,000 without putting a single dollar down. Your savings stay where they belong — with you.
No Mortgage Insurance
MI is never required — saving you hundreds of dollars every month for the life of your loan.
Future Income Considered
Signed employment contracts and offer letters accepted — even for residents and fellows starting soon.
Student Debt Treated Fairly
Your medical school investment won’t be held against you. We apply more favorable guidelines than conventional lenders.
Close Before You Start
Don’t wait until your first paycheck. We can close your loan before your residency or attending position begins.
Dedicated Specialist
A Doctor Loan expert is assigned to your file from application to closing — one contact, zero confusion.

Eligible designations

Do you qualify?

At least one borrower must hold a qualifying degree and be using income from that designation to qualify.

  • Medical Doctor (MD)
  • Doctor of Osteopathy (DO)
  • Doctor of Dental Science or Surgery (DDS)
  • Doctor of Dental Medicine (DMD)
  • Doctor of Ophthalmology (MD or DO)
  • Doctor of Psychiatry (MD or DO)
  • Doctor of Pharmacy (PharmD)
  • Doctor of Veterinary Medicine (DVM or VMD)
  • Doctor of Podiatric Medicine (DPM)
  • CRNA with DNAP or DNP
  • Medical residents, fellows, or interns with above degrees

Ready to find out?

Getting pre-approved takes as little as 24 hours. A Doctor Loan specialist will walk you through your options — no pressure, no jargon.

Serving medical professionals across Los Angeles, San Francisco, San Diego, Sacramento, and Orange County.

Start Your Application

Eligible designations

From application to keys — simplified.

We’ve streamlined the entire process for busy medical professionals.

1

Submit your pre-approval request

Fill out the short form below with your basic information and designation. Takes less than 5 minutes with no credit impact at this stage.
2

Connect with your Doctor Loan specialist

A dedicated specialist who understands medical professional lending will contact you within 24 hours to confirm your eligibility.
3

Receive your pre-approval letter

Once your documents are reviewed, we issue your pre-approval letter — often within 24–48 hours — so you can make competitive offers.
4

Close on your new home

Your specialist guides you through every step to closing, coordinating with your real estate agent so you can focus on your patients.

Get started

Get pre-approved today.

Fill out the form below and a Doctor Loan specialist will contact you within 24 hours.

New Loan Doctor Form

By clicking “Request Pre-Approval” you expressly consent to be contacted by Summit Home Lending, L. Alley Loans, Inc. its loan originators, affiliates, and service providers regarding your mortgage inquiry by telephone, text message (SMS/MMS), email, prerecorded or artificial voice messages, AI-assisted communications, and automated dialing technology, where permitted by applicable law, using the contact information you provide. You also acknowledge that you have read and agree to our Privacy Policy & Consumer Disclosures. Consent is not required as a condition of obtaining a loan or any other product or service. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out of text messages or HELP for assistance.

*Maximum loan amount, down payment, mortgage insurance features, and pre-approval timing are subject to borrower qualifications, receipt of required documentation, underwriting approval, investor guidelines, program availability, and other applicable loan requirements.

Privacy Policy

Licensing & Consumer Disclosures

Summit Home Lending is a DBA of L. Alley Loans, Inc. NMLS ID #339255. Licensed under the California Department of Real Estate and the California Department of Financial Protection and Innovation. Licensing may vary by loan originator. Subject to credit approval, underwriting approval, investor guidelines, and program availability. Terms and conditions apply. Available only for eligible California properties. At least one borrower must hold a qualifying professional degree and qualify using income from an eligible professional designation. Doctor Loan programs, including maximum loan amounts, down payment requirements, and mortgage insurance features, are subject to program guidelines and may change without notice. This is not a commitment to lend.