The Physician Home Buying Blueprint™ combines our experience helping more than 1,500 physicians with a personalized strategy built around your career, finances, priorities, and goals.
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Helping Physicians
Make Better Home Buying Decisions.
Avoiding a $87,480 Mistake & A $299,880
We take our Fiduciary Responsibility Extremely Seriously - Here's 2 quick stories.
A 0.25% rate difference on a $1.5M loan can mean a $87,480 mistake. That's how much we saved a client in 2023.
A .625% rate savings saved our clients (2 Physician Family). They trusted their family's big bank referral before they met us. On a $2M loan, that saved them $299,880. We have loads of these stories. We feel awful, often, when we meet a young MD after they've bought with another agent and we hear which lender they used and know we could have likely saved them thousands of $$$.
It's too important to leave this to chance. We're constantly in touch with over 20 physician lenders to make sure you get what you deserve.
Who You Work With Matters - Accepted offer vs. Declined Offer
Not only saving $$$ is important when choosing a realtor to work with.
When making offers, often times a low down payment is immediately rejected. We have many clients come to us AFTER working with another agent and being disappointed about not getting their many offers accepted. As Physician Home Buying Specialists, we educate seller's agents that MD Loans are actually the least likely to fall apart, immediately moving our clients offer to a stronger position. Combine this with a spreadsheet showing a littany of our doctor clients who have bought with similar financing, sellers and their agents suddenly are excited to receive a low downpayment offer.
Trusted by San Diego Physicians
Hear from your colleagues on their experience finding their perfect home with our unmatched expertise & personalized service

Bill Grubb’s specialization as a realtor for physicians really paid off for me. Bill is not only a great realtor, with amazing customer service, but he also was able to help me get an amazing loan with zero down that no San Diego banks offer. Bill was able to educate the seller’s how strong my offer was since it was a physician loan. I love my home and thank you Bill!
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Dr Vanessa C, Family Medicine

Bill has been truly professional. Not one other realtor I interview was able to offer unique MD mortgage solutions that Bill could ... It was a game changer. He never rushed us, was very patient, and it paid off when we found, negotiated for, and bought our dream home... Bill made the process super easy for my family and I, so I could focus on my work. He is also just a great guy and really easy to interact with.
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Justin B., UCSD, Neurosurgery

Being first time homebuyers, Bill was there for us every step of the way. It's a little overwhelming, and Bill educated us and took a lot of the stress out of it for us. His communication was immediate & constant. I highly recommend any doctors thinking about buying a home, or anyone for that matter, make your first step in the process to call Bill ... We’ve already referred him to a few physician friends and they’ve all had great experiences too.
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Andy C, GI Scripps & Anjali B, Hematology UCSD

Bill & Billy Grubb were the best realtors we could have ever imagined. They are a dream team. Being a new doctor, with our first home purchase in a very hot market, I was completely overwhelmed but Bill & Billy made it so seamless for us.
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Dr. Daniela P, Internal Medicine, Kaiser

Buying a home for the first time is an intimidating process, especially as a young doctor with student debt. Bill & Billy guided us through every step of the process, making everything easy to understand. He helped guide me through securing financing, helped us find a great home, and even now continues to answer questions that I have as a new homeowner.
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Dr. Sebastian X, Oral Surgeon

Working with Bill and Billy was awesome! They were so helpful every step of the way and were so patient with all of the questions we had for them. As first-time buyers, we are so lucky that we had them to go through all the ups and downs with. Would highly recommend them to everyone!
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Dr. Ana L, Pulmonary UCSD

Bill helped my wife (also a physician) and I through the home buying process from start to finish. He was attentive, professional and above all, knowledgeable about the real estate market, negotiations, and first-time physician home buyer incentives/benefits. He made the process as painless as possible, and I plan on referring him to all of my friends and professional contacts.
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Dean N, UCSD & Rady’s, Nephrology

We worked with Bill to purchase our first home out of training at UCSD. He was extremely helpful in every aspect of the process. I would highly recommend him to anyone looking to purchase a home. Even after the purchase, he has kept in contact for years, which we very much appreciate and shows that he goes above and beyond professionally.
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Matt S, Anesthesiologist, UCSD

We worked with Bill & Billy to sell our first home and buy a new multi-generational home for us. Their amazing knowledge of the mortgage market made what we thought was impossible…possible. Amazing service and any physicians in San Diego should make their first call to Bill & Billy…truly amazing realtors.
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Javier R, Pediatrician, La Maestra
Success Stories: Sd Homes Bought by MDs with Little or No Down Payment
Why Work With Us
We are more than realtors - We are SPECIALISTS
Most realtors show you homes and pass you off to a lender. We’re by your side every step of the way, proactively helping you find your dream home and secure the best loan possible—often saving our clients tens of thousands of dollars. Even a 0.25% rate difference on a $1.5M loan saves you over $87,000.
It is about you, not us. We're not happy unless you are happy.
Expert Realtors for Physician Home Buyers
Experienced professionals dedicated to guiding physicians through every step of the home buying process with unparalleled expertise and support.
BILLY GRUBB

I enjoy building lasting relationships and helping clients navigate one of the most important decisions of their lives. I bring to every client interaction: exceptional service, honest guidance, and keen negotiations.
Proud to call Pacific Beach home, I enjoy paddle-boarding, beach cruising, golfing, yoga, and going to Padres games. I love traveling internationally, and spending time with my golden-doodle Blue!
DRE #02113902
BILL GRUBB

Helping physicians build wealth through homeownership has been my passion since 2001. I take my fiduciary responsibility seriously and am committed to providing honest advice, exceptional service, and a client-first experience every step of the way.
When I’m not helping doctors buy homes, I’m spending time with my wife of 32+ years, Leslie, visiting our five grown children, making pizza, exploring San Diego’s restaurant scene, cheering on the Padres, watching college football, and supporting my beloved California Golden Bears.
DRE # 01080743
Trusted by Physicians from San Diego’s Top Hospitals
We’ve helped doctors from leading hospitals find their dream homes with expert guidance and exclusive financing options.




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