AZ physician loans 100% financing · no PMI · residents qualify · Call Mike (480) 296-6513

Arizona Physician Loan Calculator

Pick your profession, your scenario, and your target home. See your eligibility under the Redwood Sequoia Medical Professionals Program plus the side-by-side cost vs conventional, FHA, and VA.

By Mike Certo, NMLS #260555 ·

Your Situation

You
For new attendings: use your signed contract amount, not current resident pay.
Student Loans (where physician loans dramatically beat conventional)
Bring your most recent IBR/PAYE statement to your pre-approval, this is the magic number.
Other Debts + The Home
Redwood Sequoia allows 0% up to $1.5M (680+) or $2M (720+). Higher down lowers monthly.
Mike updates weekly. Call (480) 296-6513 for today's actual rate.

Your Result

Fill in the form to see your eligibility + numbers.

Calculator is educational, not a loan commitment. Eligibility per Redwood Sequoia Medical Professionals Program Eligibility Guide v1.1 (effective March 2, 2026). Rates current as of May 2026; subject to change. Property tax estimates use 2026 effective rates by AZ county. Side-by-side comparisons assume current rates and standard scenarios; your actual qualifying terms depend on credit, DTI, employment, and underwriting. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.

How student-loan debt is actually counted

The reason a physician program exists is deferred student debt, and the agency treatment is in Fannie Mae B3-6-05, which governs how a deferred or income-driven payment enters the debt ratio. Physician programs are portfolio products rather than agency loans, so they set their own treatment — commonly excluding deferred student debt outright — but the agency rule is the benchmark every program is measured against, and it is what a conventional alternative would apply. The Consumer Financial Protection Bureau covers the borrower side. In Arizona: licensure is verified through the state and the relevant board, and a signed employment contract with a start date is usually enough to qualify before the first payslip.