✓ 100% Financing (Zero Down)
✓ No PMI Required
✓ Use Your Residency Contract
✓ Close Before Starting Work
Zero down payment required. Keep your savings for moving expenses and emergencies.
Save hundreds per month without private mortgage insurance.
Deferred student loans don't count against your debt-to-income ratio.
Qualify using your residency contract instead of pay stubs.
Our resident mortgage programs were developed for your unique situation. Whether you're in PGY-1 or PGY-7, we can help you buy your dream home.
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.
Your loan officer, Edward Lopez, has been specializing in physician lending for Arizona medical professionals since 2010.
Complete our simple online application in 5 minutes. We'll review your residency contract and financial information. No impact on your credit score.
100% financing up to $750,000 with no PMI. 95% financing up to $1,500,000. Single-family homes, townhomes, and warrantable condominiums allowed.
Your trusted loan officer Edward Lopez works with your real estate agent to ensure a quick, efficient close. Get your keys and move into your new home!
A "qualified borrower" is typically a medical resident, fellow or attending physician with a signed contract for employment.
Including:
Serving Phoenix, Scottsdale, Mesa, Tempe, Chandler, Gilbert and all of Arizona.
*Minimum 700 credit score required for all programs
Apply Now →Join 500+ Arizona physicians who've saved thousands. Get pre-approved in 24 hours with no obligation.