Tempe is on the verge of becoming one of the most important medical education destinations in Arizona. HonorHealth Tempe Medical Center — formerly Tempe St. Luke’s, now operating under HonorHealth following its acquisition from Steward Health Care in late 2024 — has signed a landmark clinical partnership with Arizona State University’s new School of Medicine and Advanced Medical Engineering. HonorHealth will serve as essentially ASU’s teaching hospital, with medical student rotations beginning in 2026-27. This partnership positions Tempe to attract a new generation of physicians, residents, and medical educators who will need mortgage financing that understands the unique financial realities of a medical career.
I specialize in Physician Mortgage programs designed around how doctors actually earn, borrow, and build financial security — minimal down payment, no PMI, and underwriting that sees past your student loan balance to the career ahead.
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 show up clearly on a standard application.
In Tempe, where HonorHealth is actively investing in a next-generation medical institution alongside ASU, Physician Mortgage programs are a powerful tool for buying in walkable urban neighborhoods near the hospital or in South Tempe’s family-friendly communities.
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 Tempe's Jumbo-level luxury market
Primary residences throughout Tempe and the surrounding East Valley
Designed for physicians in training at HonorHealth Tempe Medical Center
Offer letter or signed contract accepted in lieu of income history
0–5% down with no PMI
Student loan debt excluded or income-based calculation used
Available immediately upon program start
Designed for physicians entering practice or joining HonorHealth in Tempe
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 on Tempe Town Lake or in South Tempe
Portfolio and asset-based options for physicians with complex income structures
University Park / Maple-Ash — Walking distance to ASU and HonorHealth on Mill Avenue, with eclectic mid-century character, mature tree canopy, and a walkable lifestyle unmatched elsewhere in Tempe. Ideal for residents and faculty who want urban convenience and community character.
The Lakes Community — A masterplanned lake community in central Tempe offering waterfront living, private recreation, and a mature, established neighborhood feel. Popular with attending physicians who want distinctive lifestyle amenities in a stable, value-oriented setting.
South Tempe (85284/85283) — Larger single-family homes, excellent schools, and a quieter suburban feel while remaining close to HonorHealth and Tempe's employment core. A natural fit for physicians with families who prioritize space and school quality.
Downtown Tempe / Tempe Town Lake — For physicians who want urban living steps from work. Luxury condominiums at Bridgeview and along South Pier offer waterfront lifestyle and walkability, though loan amounts in this tier often require Jumbo-level financing.
Broadmor — One of Tempe's most beloved established neighborhoods with mid-century homes, lush yards, and a strong community identity near Papago Park. A favorite among faculty and established professionals seeking character and stability.
Deep understanding of the financial profile of Tempe-area physicians at every career stage
Programs available from residency through established attending — including ASU Medical School rotations
Access to Jumbo-level Physician Mortgage programs for Tempe's luxury market
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.
Current or Incoming Tempe-Area Employment — A signed offer letter or employment contract from HonorHealth Tempe, ASU Health, or any affiliated 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.
Student Loan Flexibility — 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 Tempe 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 Tempe 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, and optometrists. Residents and fellows are eligible — often from day one at HonorHealth Tempe.
Yes. Most programs accept a signed offer letter or residency agreement in lieu of pay stubs. You can close on your Tempe home before your first day of work.
No. Most programs allow 0–5% down without PMI — preserving cash for other priorities while still purchasing in Tempe's competitive market.
Yes. Many Physician Mortgage programs accommodate loan amounts well above the conforming limit, making them suitable for purchases in The Lakes, South Tempe, or Tempe Town Lake where home values exceed $806,500.
You’ve invested years in 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/
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