Physician Mortgage in Las Vegas, NV — 0% Down, No PMI, Student Debt Excluded
Physician mortgages give doctors, dentists, and healthcare providers in Las Vegas 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 Las Vegas
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. Las Vegas is one of the strongest healthcare markets in Nevada, anchored by University Medical Center and 2 other major hospital systems — and physician mortgage programs are designed for professionals working here.
Zack Cervantes has helped physicians at University Medical Center and Sunrise Hospital close on homes in neighborhoods like Summerlin, Henderson, Green Valley, and throughout the greater Las Vegasmetro. Whether you're a resident just starting out or an attending looking to upgrade, a physician mortgage is built for your situation.
From the The Strip corridor to Centennial Hills, Las Vegas offers strong property values and a medical community that keeps growing. This isn't a generic lender page — Zack knows the Las Vegas market and works directly with you from pre-approval to closing.
Doctor Loan and Physician Home Loan in Las Vegas, NV
Whether you call it a physician mortgage, doctor loan, or physician home loan — the Las Vegas program works the same way. 0% down, no PMI, and your student debt is excluded from your debt-to-income calculation entirely. Near University Medical Center, Las Vegas 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 Las Vegas
University Medical Center
Physicians qualify for 0% down
Sunrise Hospital
Physicians qualify for 0% down
Dignity Health St. Rose
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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