I specialize in home loans for healthcare professionals, including doctors of medicine, dental surgery, dental medicine, optometry, osteopathic medicine, podiatric medicine, veterinary medicine, pharmacy, and medical residents (with an educational license). I can also provide mortgage expertise to physician’s assistants, registered nurses, nurse anesthetists, nurse practitioners, and clinical nurse specialists, as well as CPAs, ATP pilots, and attorneys.

If you are building a new home, you can rely on my 20+ years of construction lending experience to help you find financing that supports you at every step.

As your home loan advisor, I am genuinely interested in your financial success. I want to listen to your story and understand your financial goals. From there, I can build a personalized mortgage solution for your unique needs. Flagstar Bank has more than 600 different home loans available, so we are certain to have the right mortgage for you.

With over 30 years of experience in home lending, Flagstar knows what it takes to get you to closing as quickly and as smoothly as possible. I will keep you informed every step of the way to give you peace of mind about your new home.

Loan Officer: Gene Zink
States: CA


No down payment option with 720 credit score up to $1,000,000 loan / no PMI. 5% down with a minimum 700 credit score up to $1,500,000 loan / no PMI.  Purchase or rate and term refinance. 5/6, 7/6, 10/6 ARM. 3 months reserves required – all funds can be gifted except reserves.  Seller can pay up to 3% of sales price towards closing costs and prepaids on 0 down loan. Must have completed residency within the last 10 years. Must not have owned a home in the last 3 years, unless selling current home to make this new purchase, or relocating with new job or new purchase due to a divorce. Non-occupant co-borrowers ARE allowed.  SFR, townhome, warrantable condo, modular home. Max debt ratio 45%


Doctor of medicine, Doctor of Dental surgery, Doctor of Dental medicine or surgeon, Medical resident (with educational license), Doctor of Optometry, Doctor of Osteopathic medicine, Doctor of Podiatric medicine, Doctor of Veterinary medicine, Doctor of Pharmacy, Physician’s Assistant (PA), Registered Nurse (RN), Nurse Anesthetist, Nurse Practitioner, Clinical Nurse specialist, CPA, ATP Pilot, Attorney


Gene Zink (NMLS# 162301) can be reached at 972-897-4120 or [email protected]