Physician mortgage options: Up to 100% financing for qualified borrowers*
DrMortgageFinder Shane Backer, Branch Manager · NMLS# 46384
Powered by NMLS# 1566096
Built for medical professionals
(949) 818-7622 See my options
Doctor mortgage options

Buy a home with up to 100% financing.

Mortgage options built for physicians, dentists, residents, and fellows—with guidelines that may account for student debt and future earning potential.

  • ✓Loan amounts up to $2 million*
  • ✓No monthly PMI on eligible programs*
  • ✓Options for residents and fellows*
  • ✓Purchase and select refinance options
60s
See which options may fit in about one minute Quick, simple, and focused on medical professionals.

Find your doctor-loan options

Answer a few quick questions so we can match your situation.

Step 1 of 3 33% complete
What best describes your profession?
Please select your profession and property state.
What are you planning?
Please select your goal and timing.
Where can we reach you with your options?
Please enter your name, valid phone number, and agree to the consent notice.
Unable to submit your request at this moment. Please check your connection or call us directly at (949) 818-7622.
Your information is securely encrypted & protected

Your consent is not required to obtain any property, goods, or services. To speak with Shane without giving this consent, call (949) 818-7622. Message and data rates may apply. Message frequency varies. You can withdraw your consent at any time by any reasonable means, including replying STOP to any text, calling (949) 818-7622, or emailing sbacker@westcapitallending.com. See our and .

Shane Backer, NMLS #46384 | West Capital Lending, Inc., NMLS #1566096 (www.nmlsconsumeraccess.org).

✓

Thank you, Doctor.

Your request has been received. A physician-mortgage specialist will contact you to review the options that may fit.

✓ Built for medical professionals
⌁ Personalized to your situation
○ Takes about one minute

Designed around a medical career

A physician mortgage may address financial circumstances that traditional loan guidelines don’t always handle well.

01 · CASH

Preserve your savings

Qualified borrowers may be eligible for low- or no-down-payment financing, leaving more cash available after closing.

02 · DEBT

Student loans considered differently

Eligible programs may use specialized guidelines when reviewing education debt and physician income.

03 · TIMING

Built for career transitions

Options may be available for eligible residents, fellows, and doctors starting a new position.

Physician holding home keys outside a modern home
Built for medical professionals

A clearer path from training to homeownership.

The review focuses on the details that matter for medical careers and makes your potential options easier to understand.

  • ✓ Physician-program options explained clearly
  • ✓ Student debt and employment timing considered
  • ✓ Straightforward guidance based on your goals

What happens next?

A simple, personalized review of the options that may fit your goals.

1

We match your situation

A specialist reviews the programs that may fit your profession, location, and timing.

2

You get a clear explanation

We’ll walk through possible down payments, loan limits, and available next steps.

3

You choose your path

Ask questions, compare your options, and decide what works best for you.

Frequently asked questions

How long does the initial review take?

The form takes about one minute. A specialist will then review the information and contact you to discuss potentially relevant options.

Who may qualify for a physician mortgage?

Eligibility varies by program and lender. Physicians, dentists, residents, fellows, and certain other medical professionals may qualify.

How does up to 100% financing work?

Qualified borrowers may be able to finance the full purchase price through an eligible physician-loan program. Availability depends on program guidelines, location, loan size, and underwriting.

Can student loan debt be considered differently?

Potentially. Some physician-loan programs use specialized guidelines when calculating or evaluating student loan obligations.

Privacy Notice & Lead Consent

Information submitted through this page is used to respond to your mortgage request, review potentially relevant program options, and provide the follow-up described with the form. We do not sell your personal information to unapproved third parties.

Explore your doctor-loan options.

Start your personalized review in about one minute.

See my options

Privacy Policy

Effective Date: September 2026

DrMortgageFinder (“we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This website is powered by West Capital Lending, Inc. (NMLS #1566096, DRE #02022356). This Privacy Policy discloses our information gathering and dissemination practices for this website in compliance with applicable federal and state laws, including the California Consumer Privacy Act (CCPA) and Google Advertising Policies.

1. Information We Collect

When you use our mortgage qualification tool, we collect information that you voluntarily provide to us, including:

  • Contact Information: Your full name, telephone number, and email address.
  • Inquiry & Qualification Details: Your medical profession/specialty, planned purchase timeline, loan purpose (purchase or refinance), and target property state.
  • Technical & Attribution Data: IP address, browser type, device information, and Google Ads click identifiers (e.g., gclid, gbraid, wbraid) used strictly for advertising attribution and fraud prevention.

2. How We Use Your Information

We use the collected information exclusively to:

  • Review and match your loan scenario with eligible physician mortgage loan guidelines.
  • Allow Shane Backer (NMLS #46384) and West Capital Lending, Inc. (NMLS #1566096) to contact you regarding your inquiry.
  • Provide customer support and verify service quality.
  • Comply with federal, state, and legal reporting obligations (including NMLS recordkeeping).

3. Strict No-Sale & Sharing Policy

We do not sell, rent, or lease your personal information to third-party data aggregators, mailing list brokers, or unrelated telemarketers. Your information is only shared with designated licensed mortgage loan originators who assist in reviewing loan eligibility and delivering mortgage options.

4. TCPA & Electronic Communications Consent

By submitting your phone number, you authorize DrMortgageFinder, Shane Backer (NMLS #46384), and West Capital Lending, Inc. (NMLS #1566096) to contact you via telephone calls, SMS/MMS text messages, and prerecorded messages, including via automated telephone dialing systems. Consent is not a condition of purchasing any property, goods, or services. Standard message and data rates may apply. You may opt out at any time by replying STOP or contacting us directly.

5. Data Security & Storage

We employ administrative, technical, and physical security measures, including 256-bit SSL/TLS encryption, to safeguard personal data against unauthorized access, loss, or alteration.

6. Your Rights & Opt-Out Requests

Depending on your state of residence, you may have the right to request access to, correction of, or permanent deletion of your personal data. To exercise these rights, please contact our privacy compliance team:

Company: West Capital Lending, Inc. (NMLS #1566096 / DRE #02022356)
Loan Originator: Shane Backer (NMLS #46384)
Email: sbacker@westcapitallending.com
Direct Phone: (949) 818-7622
Fax: (949) 749-2066
Corporate Office: 17911 Von Karman Ave Suite 400, Irvine, CA 92614

Licensing & Regulatory Disclosures

DrMortgageFinder is a specialized physician mortgage loan matching service powered by West Capital Lending, Inc. (NMLS ID #1566096, California DRE #02022356). Loans are originated by Shane Backer (NMLS ID #46384), Branch Manager.

All mortgage products are originated and underwritten by licensed lenders in full compliance with federal and state regulations. For comprehensive licensing details and regulatory filings, view the official disclosures:

Equal Housing Disclosure

West Capital Lending, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.

Texas Department of Savings and Mortgage Lending Notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Active Licensed States

Arizona, Colorado, Connecticut, Florida, Maryland, Michigan, Minnesota, Missouri, Ohio, Pennsylvania, Tennessee, Texas, Virginia, Washington, West Virginia.

Terms of Use

Effective Date: September 2026

Please read these Terms of Use carefully before using DrMortgageFinder. By accessing or using this website, you agree to be bound by these Terms.

1. Matching & Marketing Service Only

DrMortgageFinder is a mortgage matching and advertising platform. We are not a direct lender, government agency, or depository bank. We connect prospective borrowers with licensed mortgage loan originators who can provide official loan estimates and terms.

2. No Guarantee of Loan Approval or Rates

Quotes, interest rates, down-payment guidelines (including 100% financing options), and maximum loan amounts are estimates and subject to lender underwriting approval, verification of medical credentials, credit qualifications, and property appraisal. This website does not constitute a commitment to lend.

3. Accuracy of User Information

You agree to provide true, accurate, and current information when completing any inquiry form. Providing false or fraudulent information may result in disqualification from loan programs.

4. Equal Housing Opportunity

We conduct business in full compliance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

5. Electronic Consent (E-SIGN Act)

By submitting your inquiry, you agree to receive communications electronically in accordance with the E-SIGN Act.
See my options — about one minute