Nurses & Healthcare Home Loans
The same home loan program the doctors use, built for RNs, NPs, CNSs, CRNAs, and PAs.
Most nurses get steered toward FHA and never hear about this. Here is the better path, and exactly how it works for you.
A nurse gets exactly what a physician gets.
Same program
No separate tier for nurses. The terms do not change by profession.
- As little as 3% down!
- Up to $2,000,000 loan
- No Mortgage Insurance
One credential is enough
Only one borrower on the loan needs to hold the qualifying credential.
Future income counts
A signed offer letter can work before you start, even with a pending license.
the doctors get.
Why so many nurses never hear about this
Every lender markets the doctor loan to doctors, so nurses assume it is not for them. It is. This page walks you through how it works, what you would need, and lets you model your own numbers, no pressure and no phone call required to get started.
See if it fits, in about a minute
A few quick questions. There are no wrong answers, and nothing here is an approval or a commitment to lend.
Thanks, you're in!
Look for a text or email from us shortly. While you wait, run your own numbers below.
Run the numbersSee what it could look like for you
Move the sliders to model your own scenario. Every result shows the full required disclosures, including APR, right alongside it.
Mortgage Payment & Program Comparison
Property & Costs
Programs to Compare
Get a real quote for your situation
Estimate Only, Not an Offer of Credit
Rates shown are as of August 5, 2026 and are updated periodically. They are hypothetical and for educational purposes only. This is not a commitment to lend, a pre-approval, or a guarantee of terms, and it does not constitute an application.
This scenario assumes a 760 credit score, the down payment shown for each program, a $750,000 purchase price, a 30 year fixed loan, an owner occupied single family home in San Diego, and a 30 day lock. The rates shown already include 1 point of rebate applied toward loan officer compensation.
The borrower point cost is estimated at one half point in this illustration and could range between 0 and 1 point as quoted, depending on final pricing at the time you lock. The Annual Percentage Rate shown is estimated from the interest rate plus estimated prepaid finance charges, and your actual APR will differ based on your final loan amount, closing costs, and lender fees.
Mortgage insurance figures are estimates. Conventional mortgage insurance varies by credit score and loan to value. FHA includes an upfront premium financed into the loan and an annual premium that varies by loan amount and, on most FHA loans, remains for the life of the loan. VA includes a funding fee that varies by service and use, assumed here at 2.15%. Actual rates, payments, and terms depend on credit review, income and asset verification, property appraisal, and program eligibility. Rates change daily and are subject to change without notice.
For an accurate rate quote based on today's market, please contact one of our loan officers. Not all applicants will qualify. Program terms and availability are subject to change without notice.
Jorge Antonio Murillo · NMLS #465588 · DRE #02038407
1st Choice Home Team · Company NMLS #1631472 · Company DRE #02191768
Questions nurses ask first
Yes. The program does not change its terms by profession. A qualifying nurse is treated the same as a qualifying physician on the same program.
RNs, NPs, CNSs, and CRNAs, along with PAs and other healthcare designations. Only one borrower on the loan needs to hold the credential.
There are 3% down conventional programs, but they come with catches. The lowest-cost ones have household income limits that many nurses, especially dual-income households, exceed. The version with no income limit is usually first-time-buyers only. So most nurses end up at 5% down with mortgage insurance. This program gives you 3% down with no mortgage insurance and no income limits, on loans up to $2,000,000.
Often yes. A signed offer letter can be used before your start date, and a pending license can be workable. Share your contract and we will tell you exactly where you stand.
It can, on a different documentation path. The requirements are stricter, so we look at your actual contract before promising anything.
No. You can model your own numbers and get your questions answered first. You decide when you are ready to take the next step.
Ready when you are
Start your application securely, at your own pace. You enter your private information yourself, directly and safely.
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