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 — Updated June 2026

Your Situation

You

Profession

Employment status

Annual income (or signed attending contract amount)

For new attendings: use your signed contract amount, not current resident pay.

Credit score range

Student Loans (where physician loans dramatically beat conventional)

Total student loan balance

Repayment plan

Current monthly payment (if IBR/PAYE)

Bring your most recent IBR/PAYE statement to your pre-approval — this is the magic number.

Other Debts + The Home

Other monthly debts (car, credit card minimums, etc.)

Target home price

Down payment %

Redwood Sequoia allows 0% up to $1.5M (680+) or $2M (720+). Higher down lowers monthly.

Arizona county (for property tax)

Estimated physician loan rate (%)

Mike updates weekly. Call (480) 296-6513 for today's actual rate.

Your Result

Fill in the form to see your eligibility + numbers.

Want Mike to verify these numbers + run a real pre-approval?

Free 30-minute call. Bring your situation — current role, attending contract status, target neighborhood. Mike will walk through actual numbers + the closing timeline + what to gather for pre-approval.

By providing your phone number and submitting this form, you authorize Cornerstone First Mortgage (NMLS #173855) to send informational and marketing text messages to the mobile number provided, sometimes using automated technology. Consent is not a condition of obtaining a loan. Message and data rates may apply. Message frequency may vary. Text STOP to opt out at any time, or HELP for additional assistance. See our Privacy Policy and Terms of Use.

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.