HonorHealth Arizona — Physician Loan Guide
By Mike Certo, Cornerstone First Mortgage · NMLS #260555 ·
The 60-second answer for HonorHealth physicians
If you practice at HonorHealth — HonorHealth Scottsdale Shea, HonorHealth Scottsdale Osborn, HonorHealth Scottsdale Thompson Peak, HonorHealth Deer Valley, HonorHealth John C. Lincoln, HonorHealth Sonoran Crossing, or any HonorHealth Medical Group practice — you qualify for the same 100% LTV / no PMI physician loan available to Banner, Mayo, and Dignity Health physicians.
HonorHealth is Arizona's second-largest community health system after Banner, with deep Scottsdale + north Phoenix footprint and a growing GME presence.
HonorHealth Arizona at a glance
HonorHealth operates six acute-care hospitals + 60+ ambulatory locations:
Hospitals
- HonorHealth Scottsdale Shea Medical Center (north Scottsdale)
- HonorHealth Scottsdale Osborn Medical Center (central Scottsdale)
- HonorHealth Scottsdale Thompson Peak Medical Center (far north Scottsdale)
- HonorHealth Deer Valley Medical Center (north Phoenix)
- HonorHealth John C. Lincoln Medical Center (north central Phoenix)
- HonorHealth Sonoran Crossing Medical Center (north Phoenix)
Specialty
- HonorHealth Cancer Care Network (multiple sites including TGen partnership)
- HonorHealth Heart Care
- HonorHealth Bariatric Center
- HonorHealth Research Institute
Ambulatory
60+ HonorHealth Medical Group primary care + specialty practices across the metro
HonorHealth physician compensation
Hospital-employed physicians
- Hospitalist: $270K-$340K
- Emergency Medicine: $315K-$430K
- Anesthesiology: $390K-$540K
- Critical Care: $310K-$420K
- OB/GYN: $290K-$420K
- General Surgery: $400K-$650K
- Specialty Surgery (ortho, neurosurg, vascular): $550K-$1.1M+
- Cardiology: $480K-$1M+
HonorHealth Medical Group (outpatient)
- Primary care: $240K-$320K
- Specialty outpatient: $290K-$520K
Research Institute physicians
- Often academic-track compensation; mix of clinical + research salary
HonorHealth GME programs
HonorHealth hosts a growing GME program in partnership with Creighton University School of Medicine - Phoenix:
- Internal Medicine residency
- Family Medicine residency
- Emergency Medicine residency
- Multiple subspecialty fellowships in growth
Total GME: ~150-200+ residents and fellows.
For HonorHealth residents/fellows transitioning to attending, physician loan applies with signed attending contract.
Full residents + fellows page →
Where HonorHealth physicians actually buy
HonorHealth Scottsdale Shea + Thompson Peak (north Scottsdale)
- North Scottsdale (DC Ranch, Troon, McDowell Mountain Ranch, Silverleaf) — $1M-$5M+
- Cave Creek + Carefree — $700K-$1.5M
- Desert Ridge / Tatum Ranch (north Phoenix) — $650K-$1.2M
HonorHealth Scottsdale Osborn (central Scottsdale)
- South + central Scottsdale (Gainey Ranch, McCormick Ranch, Old Town) — $700K-$2.5M
- Paradise Valley — $1.8M-$8M+
- Arcadia — $1.2M-$3M+
HonorHealth Deer Valley + Sonoran Crossing (north Phoenix)
- Desert Ridge, Sonoran Hills, Tramonto — $550K-$1M
- Anthem — $480K-$850K
- Norterra, Aviano, Fireside — $500K-$900K
HonorHealth John C. Lincoln (north central Phoenix)
- Moon Valley — $500K-$900K
- Arcadia — $1.2M-$3M+
- Central Phoenix corridors — $600K-$1.5M
Common HonorHealth scenarios
Scenario 1: HonorHealth EM attending → DC Ranch upgrade
- Current: 4 years HonorHealth Scottsdale Shea ER, $385K
- Wants: $1.4M home in DC Ranch
- Outcome: 100% LTV physician loan up to $1.5M
Scenario 2: HonorHealth hospitalist new attending → north Phoenix family home
- Current: PGY-3 IM at BUMC Phoenix, $74K
- Attending offer: HonorHealth Deer Valley hospitalist, $295K, starting July
- Wants: $625K home in Sonoran Hills or Tatum Ranch
- Outcome: 100% LTV physician loan; closes summer
Scenario 3: HonorHealth cardiothoracic surgeon → Paradise Valley
- Current: 8 years HonorHealth cardiac surgery, $850K
- Wants: $2.8M home in Paradise Valley
- Outcome: 95% LTV up to $2M with 680+ FICO (or 100% LTV at $2M with 720+ FICO), no PMI; jumbo physician for additional
HonorHealth-specific considerations
Specialty mix is broad
HonorHealth covers the full clinical spectrum; physician loan applies equally across specialties.
Creighton Phoenix affiliation
Some HonorHealth physicians hold academic appointments at Creighton SOM Phoenix. This is one HonorHealth employment from lender perspective.
TGen research partnership
Cancer Care Network physicians may have research-track compensation that includes grant-funded portions. Document fully at pre-approval.
Frequently asked questions
Is HonorHealth a religious-affiliated hospital?
HonorHealth is a non-religious, non-profit community health system (formed in 2013 by merging Scottsdale Healthcare and John C. Lincoln Health Network). No religious affiliation requirements. {#faq-religious}
Does HonorHealth have its own physician mortgage program?
HonorHealth has employee benefits but not a specialty physician mortgage program. Physician loan through Cornerstone typically provides better terms than employer-referred mortgages. {#faq-honorhealth-mortgage-program}
My fellowship will be at HonorHealth — when can I apply for a physician loan?
Once you have a signed fellowship offer letter (similar to residency match), some lenders will pre-approve based on that. Most commonly, physician loan applies when transitioning fellowship → attending with signed attending contract. {#faq-fellowship-timing}
What about HonorHealth Medical Group outpatient practice physicians?
Same physician loan eligibility — HonorHealth Medical Group W-2 employed physicians qualify identically to hospital-employed physicians. {#faq-honorhealth-medical-group}
Talk to Mike about your HonorHealth scenario
Free 30-minute call. Bring your specific HonorHealth role, attending contract status, and target neighborhood.
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(480) 296-6513 · Mike Certo, NMLS #260555 · Cornerstone First Mortgage NMLS #173855
Sources
- Redwood Residential Acquisition Corporation — Sequoia Medical Professionals Program Eligibility Guide v1.1
- HonorHealth — Locations
Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Not affiliated with HonorHealth. Educational content, not a loan commitment. Loans subject to buyer and property qualification.