Physician Mortgage in Mesa, AZ — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Mesa access to 0% down home loans with no PMI and student debt excluded from DTI.
Zack Cervantes · NMLS #502342 · New American Funding
Physician Mortgage in Mesa
A physician mortgage is a specialized home loan program that lets doctors, dentists, and healthcare providers buy a home with 0% down, no PMI, and student debt excluded from DTI. Mesa is one of the strongest healthcare markets in Arizona, anchored by Banner Desert Medical Center and 1 other major hospital system — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at Banner Desert Medical Center and Mountain Vista Medical Center close on homes in neighborhoods like Downtown Mesa, Red Mountain, Eastmark, and throughout the greater Mesametro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
Mesa offers a growing medical community, strong property values, and neighborhoods that range from walkable urban to family-friendly suburban — all within reach with a physician mortgage. This isn't a generic lender page — Zack knows the Mesa market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Mesa, AZ
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Mesa program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near Banner Desert Medical Center, Mesa doctors use this program to buy homes without waiting to pay down student loans first. MD, DO, DDS, DMD, DPM, OD, NP, and PA credentials all qualify.
Hospital Systems in Mesa
Banner Desert Medical Center
Physicians qualify for 0% down
Mountain Vista Medical Center
Physicians qualify for 0% down
Popular Neighborhoods
Program Highlights
Down Payment
0% — zero out of pocket
PMI
None — ever
Student Debt
Excluded from DTI
Eligible
MD, DO, DDS, DMD, DPM, OD, NP, PA
Who Qualifies for a Physician Mortgage?
Physician mortgage loans aren't just for MDs. If you work in healthcare, there's a good chance you qualify. Zack works with:
- ✓Medical Doctors (MD)
- ✓Doctors of Osteopathic Medicine (DO)
- ✓Dentists (DDS / DMD)
- ✓Oral Surgeons
- ✓Orthodontists
- ✓Podiatrists (DPM)
- ✓Optometrists (OD)
- ✓Ophthalmologists
- ✓Veterinarians (DVM)
- ✓Pharmacists (PharmD)
- ✓Nurse Practitioners (NP / APRN)
- ✓Certified Registered Nurse Anesthetists (CRNA)
- ✓Physician Assistants (PA-C)
- ✓Clinical Psychologists (PsyD / PhD)
- ✓Chiropractors (DC)
- ✓Registered Nurses (RN) with advanced degrees
- ✓Fellows and Residents
- ✓Physicians within 90 days of start date
Don't see your title? Call Zack — many other healthcare professionals qualify depending on the lender.
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Physician Mortgages in Nearby Cities
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