Home Loans for Physicians & Advanced Medical Professionals in AZ
🏆 #1 Physician Mortgage Lender in Arizona

Physician Mortgage Arizona: 0% Down, No PMI

Get Pre-Approved in 24 Hours • Close in 30 Days

✓ 100% Financing (Zero Down)
✓ No Private Mortgage Insurance
✓ Use Future Employment Contract
✓ Student Loans Excluded from DTI

Edward Lopez NMLS 598677 - Licensed in AZ, CO, TX, OK & More

Get Pre-Approved Now Call (480) 555-0199
5-Star Rated NMLS Licensed BBB A+ Rated

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Takes 2 minutes • No credit check

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500+
Physicians Helped
$200M+
Loans Funded
24hrs
Pre-Approval
5.0★
Google Rating
NMLS Licensed
BBB A+ Rated
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5-Star Google Reviews
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Physician Mortgage Programs

Why Choose a Physician Mortgage?

Physician Loan vs. Conventional Loan

Feature Physician Mortgage Conventional Loan
Down Payment ✓ 0% - 10% ✗ 20% required
PMI (Mortgage Insurance) ✓ Never required ✗ $200-500/month
Student Loans ✓ Excluded from DTI ✗ Full debt counted
Employment History ✓ Future contract OK ✗ 2 years required
Loan Limits ✓ Up to $2.25M ✗ $726,200 max
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Mortgage Solutions for Doctors

About Our Physician & Advanced Medical Professional Home Loan Programs

As a physician you will have some hurdles when it comes to home loan financing - whether you are a resident, in a fellowship, or attending - you're unique borrower profile and circumstances could cause an issue with typical mortgage lenders. We work with you to get you into your new home.

Our physician mortgage programs were developed for physicians like you in mind. Whether that's taking a new employment contract as proof of income, or understanding that your student loans are a different type of debt that doesn't have to count against your DTI or debt to income ratio. Our physician mortgage programs have a lot of benefits specifically tailored to doctors.

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Mortgage Solutions for Doctors

Learn More About Our Physician & Advanced Medical Professional Home Loans

A mortgage with the benefits you are looking for.

100% financing with competitive pricing and unique qualifying criteria on various loan products
No down payment required
Primary residence only
Purchase or refinances (no cash-out)
Fixed and variable rate options
Student loans deferred greater than 12 months from closing are not considered in debt to income ratio
Specialty underwriting for 1099 and contract employees
Discounted 0.125% interest rate option available for borrowers who have a qualifying BOKF checking/savings account and agree to make mortgage payment via ACH from that account
Learn More About Our Programs
Edward Lopez - Your Physician Loan Specialist
Your Physician & Advanced Medical Professional Loan Specialist

Edward Lopez

NMLS ID: 598677

Getting into your new home is just a click away. From the time you apply for your physician home mortgage loan, until the day you close and get the keys to your new home, our specially trained and experienced staff manages and oversees the entire loan process.

Schedule a free consultation today to get started. I specialize in helping Arizona physicians navigate the unique challenges of medical professional home financing.

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What Doctors Say

Client Reviews

"I had an excellent experience working with Edward for my first home purchase! He is kind, communicative, and efficient. I knew if any questions came up, he was available to talk with me or our real estate agent. It is clear he loves the work he does and made my loan process as simple and painless as possible. Cannot recommend him enough!"

Dr. Rodriguez Physician

"Highly recommend Edward to anyone needing a Physician's loan. He is knowledgeable and highly responsive, which were both critical for us as first-time homebuyers up against a tight closing timeline."

Rollins MD Physician

"Easy, straight forward, very responsive, understood my needs and wants. Ed Lopez is the kind of person that will go the extra length for you. Very knowledgeable. He's the person I'll be recommending to everyone I know."

J. Taylor Client
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BOK Financial

BOK Financial is a top 25 U.S.-based bank, offering sophisticated wealth, commercial and consumer products and services. Still, we do business one client at a time, focused on delivering thoughtful expertise and tailored advice, because we know that when our clients succeed, we succeed.

Full Service Banking Markets

Arizona | Arkansas | Colorado | Kansas | Missouri | New Mexico | Oklahoma | Texas

Ready to Buy Your Home?

Join 500+ physicians who've saved thousands with our physician mortgage program. Pre-approval in 24 hours.

Get Pre-Approved Now (480) 555-0199

📍 Serving Phoenix, Scottsdale, Mesa, Tempe, Chandler, Gilbert & All of Arizona