Begin Your Surrogacy Pathway to Parenthood
Begin your surrogacy pathway to parenthood with the best surrogacy agency in the US.
- No Fees or Contracts Until a Confirmed Match
- 1 Week to Match with Your Ideal Surrogate
- Ob-Gyn Managed Surrogacy Program
- Medically Prescreened Surrogates
Schedule a Free Surrogacy Consultation
- $0 Matching Fees
- Ob-Managed Surrogacy
- Max 1 Week Matching Time
- Prescreened Local Surrogates
Welcoming You with Open Arms to Physician's Surrogacy
We are the nation’s only OB-managed surrogacy agency
We understand this is a huge decision you are making to realize your parenthood goals. We are the nation’s only OB-managed surrogacy agency and have partnered with most fertility clinics in California and across the U.S.
Nearly 95% of surrogacy agencies are managed by former Surrogates, Intended Parents, or law firms. While they can relate to the emotional aspects of the journey, they need more clinical expertise and business background for this complex process of family building.
Matching You with Your Perfect Surrogate
Our average match time is one week from consultation to confirmed match.
Is she a good legal fit?
Our legal team ensures the surrogacy laws in your Surrogate mother's home state are surrogacy-friendly and compatible with your unique situation.
Does her vision for the journey match yours?
The Surrogate undergoes an extensive preference-defining process with the Physician’s Surrogacy team to ensure her personality, expectations, and communication level suit your preferences.
Does she meet the requirements of your IVF Center?
At Physician’s Surrogacy, we make sure to match Intended Parents with a Gestational Surrogate who meets the requirements of your IVF Center, preventing delays or broken matches.
Leverage the Physician’s Surrogacy Advantages
OB-Ordered Lab Testing
As an OB-managed agency, our physicians can order additional Antenatal testing on your behalf that reassures the healthy progress of your baby.
OB Monitoring
Our in-house physicians closely monitor the entire journey so the health of your Surrogate and the baby is the number one priority. Our team comprises a multilingual staff and industry-leading doctors, many with personal surrogacy experience, just like you!
LGBTQ+ Friendly Surrogacy Program
We are proud to support same-sex parents in the U.S. and worldwide. We have helped over 1000 same-sex families complete their journeys and help them bring their baby home safely.
Financial Certainty
Our surrogacy program offers transparency and certainty regarding the costs, financial planning, and Surrogate Mother compensation with our Flat Rate and Surrogacy Guarantee program models.
During our surrogacy journey, our embryo split resulting in twins! Our Surrogate was originally going to visit her previous OB who had delivered her children. However, due to the distance from where she lived to the hospital, she needed to see a doctor at a closer location. Through their vast network, Physician’s Surrogacy was able to find a practicing OB closer to the hospital and ensured that they had the capacity to handle a high-risk case. They also made sure that the hospital had the proper level NICU. It was all worked out so quickly and our Surrogate was able to be seen by the new OB the same week!
Let’s make Your
Dreams Come true!
Our goal is to watch you revel in the joys of holding your baby.
Find Your Perfect Surrogate
29Years Old
Status :
Medically ClearedLast Delivery :
2016Baby Twins :
No, embryo split okSurrogate State :
SCAC Section :
1Relationship With IPs
Weekly
29Years Old
Status :
Medically ClearedLast Delivery :
2017Baby Twins :
No, embryo split okSurrogate State :
SCAC Section :
Relationship With IPs
Open
31Years Old
Status :
Medically ClearedLast Delivery :
2016Baby Twins :
No, embryo split okSurrogate State :
SCAC Section :
0Relationship With IPs
Open
33Years Old
Status :
Medically ClearedLast Delivery :
2019Baby Twins :
No, embryo split okSurrogate State :
SCAC Section :
1Relationship With IPs
OpenOnce you have completed a consultation questionnaire, you will be able to see our latest Surrogate profiles.
Gestational Surrogacy Costs
Surrogacy involves sophisticated medical procedures and requires a significant long-term commitment, resulting in substantial investment. These costs typically encompass fees for surrogacy agency services, legal assistance, and compensation for the surrogate.
The Benefits of Physician’s Surrogacy Fee Structure
Other Agencies
A
With most surrogacy agencies, surrogacy expenses are structured as variable itemized prices, making it difficult to calculate the final price you will pay.
B
This cost structure significantly hampers transparency, leaves chances of confusion, and in some cases where unforeseen circumstances may arise, increases the costs of your surrogacy process.
Physicians Surrogacy
A
Our surrogacy programs offer both the Surrogate Mothers and the Intended Parents transparency and certainty regarding the costs of surrogacy, financial planning, and how much Surrogate Mothers get paid.
B
Say goodbye to line-item benefits packages, legal fees, additional fees, and hidden costs with our Flat Rate and Surrogacy Guarantee programs.
Other Agencies
A
With most surrogacy agencies, surrogacy expenses are structured as variable itemized prices, making it difficult to calculate the final price you will pay.
B
This cost structure significantly hampers transparency, leaves chances of confusion, and in some cases where unforeseen circumstances may arise, increases the costs of your surrogacy process.
Physicians Surrogacy
A
Our surrogacy programs offer both the Surrogate Mothers and the Intended Parents transparency and certainty regarding the costs of surrogacy, financial planning, and how much Surrogate Mothers get paid.
B
Say goodbye to line-item benefits packages, legal fees, additional fees, and hidden costs with our Flat Rate and Surrogacy Guarantee programs.
Finances Won't Stop Your Parenthood Dreams
Without question, costs and finances are essential considerations for Intended Parents planning a gestational surrogacy journey.
We have partnered with the best financial providers to ease the financial burden. These partnerships allow you to get customized loans and leverage employer benefits easily.
Our financial coordinators can help you identify the best resources for your situation, and you can apply directly for the benefits without impacting your credit.
Surrogacy Financing Options
We have partnered with various fertility finance providers to make your journey easier.
Fertility Financing with CapexMD
CapexMD specializes in patient financing services for all fertility treatment options. The vast majority of their Loan Specialists have gone through the IVF journey.
Through our partnership with CapexMD, we are able to offer customized loan programs with highly competitive rates that include a variety of loan types. Their simple loan process makes the experience of fertility financing relatively stress-free.
Their loan programs cover all fertility treatment options — including fertility medications and genetic testing if necessary — so you can be sure that none of your expenses are left uncovered.
Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure that your funds are secured on time and your treatment is not delayed.
Together with CapexMD, we can make sure financial issues do not get in the way of your dream of having a baby.
Some of CapexMD’s many advantages include:
Specialist in Fertility Financing- Highly Competitive Rates
- Approval within 24 Hours
- Highest Confidentiality
- No Prepayment Penalties
- Personal Attention
- Easy and Secure Online Application
- Flexible Terms
- No Annual Fees
- Retain Your Existing Credit Sources
Apply online and receive your pre-approval within 24 hours. Learn more about CapexMD by visiting their site or by calling 1-888-497-8414.
Comerica Bank (0% Interest Credit Cards)
Highlights
- Only applicable to CA, AZ, TX, FL, MI states
- No collateral required
- Quick access to funds
Details
- Loan amounts: Up to $25k
- Interest rates: 0%
Contact
- Mike Smith | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- MSSmith@comerica.com
- Dave Sandak | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- DSandak@comerica.com
Comerica Bank (HELOC)
Highlights
- Only applicable to CA, AZ, TX, FL, MI states
- Low, competitive rate
- Borrow as you need on a revolving basis
Details
- Loan amounts: Up to 500k
- Interest rates: 5.49%
Contact
- Mike Smith | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- MSSmith@comerica.com
- Dave Sandak | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- DSandak@comerica.com
Comerica Bank (Business Lines of Credit)
Highlights
- Only applicable to CA, AZ, TX, FL, MI states
Details
- Loan amounts: Up to $200k
- Interest rates: Variable
Contact
- Mike Smith | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- MSSmith@comerica.com
- Dave Sandak | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- DSandak@comerica.com
LightStream
LightStream offers low-rate, no-hassle, and virtually paperless IVF loans to borrowers with good to excellent credit. They are not FICO score driven and believe there is no single definition for “good credit.” However, they find individuals with good credit usually share the following characteristics:
Highlights
- A credit history including a variety of account types: major credit cards, vehicle loans, mortgage debt, etc
- A good payment history, ideally without delinquencies
- An ability to save, demonstrated by some or all of the following: liquid assets (stocks, bonds, etc.), down payments on real estate, retirement savings, and manageable revolving credit card debt
- Stable and sufficient income and assets to repay current debt obligations and any new IVF loan with LightStream
- Ultimately their determination of good credit is based on whether they conclude that there is a very high likelihood that you will repay the loan in a full and timely manner
Details
- Loan amounts: $5,000 to $100,000
- Credit scores:
- not FICO score driven (see above qualifiers)
- Loans $20,000 – $100,000 need a credit score of 740+ and requiry a hard inquiry for approval
- Terms: 24 months to 144 months
- Interest rates: 3.49% to 19.99%* APR with autopay
Prosper Healthcare Lending
Prosper makes IVF loans easy. From the comfort of your living room, answer a few questions, and get your lowest eligible rate instantly. Select the offer with the terms that work best for you, and the money will be sent directly to your account within three days.
Highlights
- Soft credit pull
- Easy qualification in 2 minutes
- Loans are sent directly to You
Details
- Loan amounts: $2,000 – $35,000
- Credit score: 640+ & no negative impacts
- Terms: 36 & 60 months
- Interest rates: 5.95% – 19%
Prosper Home Equity Line of Credit (HELOC)
Home Equity Lines of Credit (HELOC) are loans that allow you to borrow against the equity you’ve built in your home. To determine your home’s equity, you take the difference between your home’s value and your mortgage balance. HELOC’s often have much lower rates of interest than other loans, such as a personal loan, which are considered unsecured. With a HELOC, it’s crucial to understand that your home acts as “collateral,” securing the line of credit (also known as a “secured” loan).
Highlights
- Use as needed and pay everything off early
- Enjoy a year draw period, in which you can make interest-only monthly payments to enable you to borrow additional money during the draw period
- Variable-rate or ability to lock in a fixed rate
- Bank paid closing costs
Details
- Loan amounts: a maximum of 80% of the home’s value, less your current mortgage balance
- FICO Credit score: 660+ & debt-to-income ratio of 50% or better
- Terms: up to 15 years for repayment
- Interest rates: 3.49% – 10.35% Variable APR
SoFi Personal Loan
Highlights
- Fixed personal loan rates
- Same day on loan approval
- Zero origination fees
- Zero prepayment fees
Details
- Loan amounts: $5K- $100K
- Credit score: 650+
- Terms: 84 Months
- Interest rates: 7.99% APR to 23.43% APR
FAQS
Arrangement Before Surrogacy | Physician Surrogacy
Yes. Many families begin surrogacy planning while they’re still creating embryos. We can connect you with trusted IVF clinics or coordinate with your current clinic to freeze embryos for future transfer. Matching and legal work can move forward in parallel. Learn more on our Become a Parent page.
Many parents start by asking, how do I find a surrogate mother. Our surrogates apply from many US states and complete medical, psychological, and background screening before joining the program. We then match you with someone whose preferences, location, and clinic fit your needs. See how matching works on our Become a Parent page.
The safest way to find a surrogate is through a reputable, physician-managed agency like Physician’s Surrogacy. We pre-screen each candidate medically, psychologically, and legally before sharing her profile with you. Then we match you with someone who fits your values and clinic needs. Read about our process on the Become a Parent page.
Parents often ask how much does a surrogate cost. Total cost depends on surrogate compensation, benefits, insurance, clinic fees, agency services, and legal work. In many U.S. programs, that full range is roughly $140,000–$170,000, but your quote is tailored to your plan. See the breakdown in How Much Does a Surrogate Cost.
Most US surrogacy journeys fall roughly between $140,000 and $170,000, depending on state laws, clinic, insurance, and surrogate compensation. Your total can be higher or lower based on your specific plan. After your consult, we provide a personalized written quote. Learn more in our surrogacy cost guide.
People often search what is a gestational surrogate. She’s a woman who carries a pregnancy created through IVF using eggs and sperm from the intended parents or donors. Because the embryo comes from those eggs and sperm, she has no genetic link to the baby but receives medical care and compensation. Learn more on our Gestational Surrogacy page.
A surrogate mother, or gestational carrier, is a woman who carries a pregnancy for intended parents using an embryo created through IVF. The embryo comes from the parents’ or donors’ eggs and sperm, so the surrogate is not genetically related to the baby. Read more on our Gestational Surrogacy page.
Surrogacy is an arrangement where a woman carries and delivers a baby for intended parents who cannot safely carry a pregnancy. In gestational surrogacy, embryos from the parents or donors are transferred to the surrogate’s uterus using IVF, and she has no genetic link to the baby. Learn more in How Does Surrogacy Work.
Our program at Physician’s Surrogacy welcomes anyone to be parents. We’re talking single intended parents, heterosexual couples, and LGBTQ+ families. We focus on medical clearance, emotional readiness, and your ability to meet financial and legal requirements, not marital status or gender identity. During your consult, we review your situation and suggest the safest path forward. See more on our Become a Parent page.
People consider a surrogate when pregnancy is medically risky or impossible. That may include uterine factors, repeated IVF failure, certain heart or autoimmune conditions, or a history of complicated pregnancies. Same-sex male couples and single men also use gestational surrogacy. Your fertility specialist can tell you if surrogacy is a safe option.
Surrogacy Timeline | During Surrogacy | Physician Surrogacy
Most international parents travel to the US at least once for the birth and time with their baby. Many choose an additional trip early on to create embryos and meet the surrogate in person. If you prefer fewer trips, embryos or eggs/sperm can often be shipped to a US clinic instead. Details are outlined on our Become a Parent page.
The surrogacy process usually moves through consultation, matching, screening, legal contracts, embryo transfer, pregnancy, and delivery. You meet your team, review surrogate profiles, complete medical and legal steps, then your IVF clinic handles treatment while we coordinate the journey. Read the full timeline in How Does Surrogacy Work.
It depends on the agency you choose to work with. Most agencies have a 6-18 month waiting list to match with a surrogate. Some also require you to sign a contract and pay agency fees for them to begin the process of matching. Physician’s Surrogacy offers complimentary matching, and you can match with your Surrogate as quickly as a week. On average, the typical timeline is two weeks.
Contact is flexible and tailored to everyone’s comfort level. Some families like regular calls and text updates; others prefer periodic check-ins. You, your surrogate, and your coordinator discuss expectations during matching and include them in your agreement, and the relationship often grows naturally over time. For guidance, see our surrogate relationship article.
After Delivery | Success With Surrogacy | Physician Surrogacy
All funds for your journey—including surrogate compensation and approved medical or travel expenses—are held in a secure escrow or trust account managed by a licensed third party. They pay your surrogate according to the contract, so money never passes directly between you and her. This keeps finances transparent and protects everyone. Learn more in Financing Your Surrogacy Journey.
Surrogacy has high success rates, but results depend on embryo quality, the surrogate’s health, and the IVF clinic’s experience. At Physician’s Surrogacy, all surrogates are OB-managed and medically pre-screened, and many journeys include more than one embryo transfer to achieve pregnancy. You can learn more about success factors on our Gestational Surrogacy page.
Intended parents often combine several options: fertility or medical loans, surrogacy grants, personal savings, and lines of credit. During your consult, we can review common approaches and share resources that past families have used successfully. For an overview of typical costs and payment ideas, see Financing Your Surrogacy Journey.
No. In US gestational surrogacy, your baby’s birth certificate lists only the legal parents, not the surrogate. Our legal team prepares the proper court orders so your names are on the certificate and you hold full parental rights from birth. For more details, visit our Surrogacy and Birthright Citizenship guide.
Schedule a Free Surrogacy Consultation
- $0 Matching Fees
- Ob-Managed Surrogacy
- Max 1 Week Matching Time
- Prescreened Local Surrogates