The West Valley’s medical ecosystem serving Surprise is substantial and growing. Abrazo Surprise Hospital provides full-service acute care directly in the city. Banner Del E. Webb Medical Center in nearby Sun City West offers advanced cardiac care and a wide range of specialty services. Banner Boswell Medical Center in Sun City — named a 2025-2026 Best Regional Hospital by U.S. News & World Report, ranking No. 4 in Phoenix and No. 5 in Arizona, with High Performing ratings in twelve procedures and conditions — is one of the most decorated hospitals in the Northwest Valley. Together, these institutions employ a large and growing community of physicians, residents, and specialists who increasingly choose Surprise for its exceptional quality of life and outstanding value relative to the broader Phoenix metro.
I specialize in Physician Mortgage programs designed around the real financial reality of a medical career — minimal down payment, no PMI, and underwriting that recognizes your long-term earning potential rather than penalizing your student loan balance.
A Physician Mortgage — also called a Doctor Loan — is a specialized home loan program built for licensed medical professionals. Unlike conventional loans, Physician Mortgages are structured around the distinct financial reality of a medical career: significant student loan debt, limited income during training, and strong long-term earning potential that doesn’t always translate clearly to a standard mortgage application.
In Surprise, where a growing cluster of major health systems is serving the rapidly expanding West Valley population, Physician Mortgage programs are an ideal tool for purchasing in resort-style communities like Sterling Grove or in the family-friendly neighborhoods that physicians with young families often prefer.
Key Features
0–5% down payment options (no PMI required)
Student loan debt treated favorably in DTI calculations
Offer letter or employment contract accepted — no pay stubs required for new attendings
Available for MDs, DOs, DDS, DMDs, residents, and fellows
Loan amounts that accommodate Surprise's Jumbo-level luxury market
Primary residences throughout Surprise and the greater West Valley
Designed for physicians in training at Abrazo Surprise, Banner Del E. Webb, and Banner Boswell
Offer letter or signed residency contract accepted in lieu of income history
0–5% down with no PMI
Student loan debt excluded or income-based calculation applied
Available from the first day of your program
Designed for physicians entering practice or joining a Surprise-area health system
Strong income assumptions based on specialty and employment agreement
Competitive rates with Jumbo-level loan amounts available
Flexible documentation for physicians transitioning between training and practice
For practicing MDs, DOs, and dental professionals with established income
Loan amounts up to $2M+ for luxury purchases in Sterling Grove or Copper Canyon Ranch
Portfolio and asset-based options for physicians with complex income or practice ownership
Sterling Grove — For established physicians and specialists who want resort-quality living with golf, spa, pools, and club dining in a gated, staff-secured setting. Homes in the Sonoma and Concord Collections by Toll Brothers are thoughtfully designed for both everyday comfort and entertaining. Many here approach Jumbo pricing — which Physician programs can accommodate with minimal down payment.
Copper Canyon Ranch — A quieter, upscale neighborhood with larger lots, top-rated schools, and proximity to White Tank Mountain views. Ideal for physicians with families who want more land and a peaceful setting while remaining close to the Abrazo Surprise and Banner Del E. Webb campuses.
Marley Park — A charming master-planned community near Loop 303 with a distinctive New Urbanism character — tree-lined streets, front porches, parks, and a community center. Popular with physicians who want neighborhood identity and community connection in an active, well-designed environment.
Sun City Grand — A luxury golf community with resort amenities and dedicated 55+ sections. For established physicians planning their next chapter, Sun City Grand delivers the club lifestyle in a community expressly designed for active adults at the top of their careers or in well-earned retirement.
Rancho Mercado — A family-friendly community near Loop 303 with parks, trails, and easy access to Surprise's growing commercial corridor. An accessible and practical choice for younger physicians and residents who want quality housing at a comfortable price point close to work.
Deep understanding of the financial profile of Surprise-area physicians at every career stage
Programs available from residency through established attending practice
Access to Jumbo-level Physician Mortgage programs for Sterling Grove and Copper Canyon Ranch
Responsive, personal service designed for busy medical professionals
20+ years of Arizona mortgage experience — NMLS #235295
Licensed Medical Degree Required — Programs are available for MDs, DOs, DDS, DMDs, and in some cases other licensed medical professionals (pharmacists, podiatrists, veterinarians — eligibility varies by program).
Current or Incoming Surprise-Area Employment — A signed offer letter or employment contract from Abrazo Surprise Hospital, Banner Del E. Webb, Banner Boswell, or any affiliated group practice is sufficient to qualify. You do not need to have started working yet.
Primary Residence Only — Physician Mortgage programs are designed for the home you will live in, not investment properties or vacation homes.
Student Loan Flexibility — Student loan debt is handled differently than in conventional underwriting. Deferred loans may be excluded entirely, or an income-based repayment calculation applied — significantly improving your qualifying debt-to-income ratio.
Initial Consultation — Discuss your training or employment status, income expectations, and target Surprise neighborhoods.
Program Matching — I identify the right Physician Mortgage program for your career stage and property goals.
Pre-Approval — Get pre-approved using your offer letter, employment contract, or current income.
Property & Underwriting — Find your Surprise home and move through physician-friendly underwriting.
Close & Move In — Complete your purchase with a smooth, efficient closing.
Most programs are available for MDs, DOs, DDS, and DMDs. Some extend to pharmacists, podiatrists, optometrists, and other licensed healthcare professionals. Residents and fellows are eligible — often from day one of their program.
Yes. Most programs accept a signed offer letter or residency agreement in lieu of pay stubs. You can close on your Surprise home before your first day of work.
No. Most programs allow 0–5% down without PMI — preserving cash while still purchasing in communities like Sterling Grove or Copper Canyon Ranch.
Student loan debt is handled differently than in conventional underwriting. Programs typically exclude deferred loans entirely or use a lower income-based repayment calculation, significantly improving your debt-to-income ratio and borrowing capacity.
Yes. Many programs accommodate loan amounts above the conforming limit, making them suitable for purchases in Sterling Grove's upper collections and Copper Canyon Ranch where home values exceed $806,500.
You’ve invested years building your medical career. Let’s make sure your mortgage works just as hard for you.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
Who we are
Our website address is: https://loansbylehrman.com/
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Analytics tracking
Our website uses analytics tools such as Google Analytics to better understand how visitors interact with our site. These tools collect data through cookies and similar technologies, including information about on-site activity and, in some cases, IP addresses. We use this data to improve user experience, monitor performance, and track conversions. Visitors who prefer not to be tracked can opt out by using the Google Analytics opt-out browser add-on or other available opt-out methods.
