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

Resident → Attending Refinance Breakeven Calculator

By Mike Certo, NMLS #260555 — Updated June 2026

You bought as a resident on a physician loan. Now you're an attending. Should you refinance?

Your current physician loan

Current loan balance ($)

Current interest rate (%)

Years remaining on current loan

Current home value ($)

New (refinance) loan scenario

New rate available (%)

New loan term (years)

Estimated refi closing costs ($)

Years you plan to stay in home

Refinance breakeven analysis

Want a real refinance analysis for your specific scenario?
Call Mike at (480) 296-6513 or request a callback

Educational tool — not a loan commitment. Actual rates, terms, and closing costs depend on your specific situation, credit profile, loan amount, and current market conditions. PMI calculations not included; physician loans typically don't carry PMI. Tax considerations not included. Consult a mortgage professional for actual analysis. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.