Tucson is one of Arizona’s most important medical communities — home to Banner – University Medical Center Tucson, Tucson Medical Center, TMC Health, Carondelet St. Joseph’s, Northwest Medical Center, and the University of Arizona College of Medicine. Each year, physicians, residents, fellows, and specialists arrive in Tucson to build careers at world-class institutions — and they deserve mortgage financing that understands the unique financial realities of medicine.
I specialize in Physician Mortgage programs designed specifically for the way doctors earn, borrow, and build wealth. Whether you’re starting a residency at Banner University, joining a practice near Oro Valley Hospital, or relocating to a faculty role at the U of A, I can help you purchase a home — with minimal down payment, no PMI, and underwriting that sees past your student loan balance to the earning potential ahead.
A Physician Mortgage — also called a Doctor Loan — is a specialized home loan program created for licensed medical professionals. Unlike conventional loans, Physician Mortgages are structured around the financial reality of a medical career: significant student loan debt, delayed income during training, and strong long-term earning potential that doesn’t always show up on a standard application.
In Tucson, where medical professionals are recruited to major systems like Banner Health, TMC Health, and the Carondelet network, Physician Mortgage programs are an ideal tool for buying in neighborhoods close to major medical campuses or in the luxury communities these professionals 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 Tucson's Jumbo-level luxury market
Primary residences throughout the greater Tucson metro
Designed for physicians in training at Tucson-area medical facilities
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 a Tucson hospital 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
Ideal for purchasing in the Catalina Foothills, Oro Valley, or Ventana Canyon
Portfolio and asset-based options for physicians with complex income
Oro Valley — A popular choice for Banner Oro Valley and Northwest Medical physicians. Master-planned communities, top-rated Amphitheater school district schools, and newer construction in a quieter setting north of the city.
Catalina Foothills — For established physicians and department heads looking for luxury, privacy, and mountain views. Many homes here require Jumbo-level financing — which Physician programs can accommodate.
Sam Hughes — A beloved neighborhood near the University of Arizona for U of A physicians and faculty. Historic character, walkability, and proximity to campus make it a perennial favorite.
Marana — An affordable, growing suburb on Tucson's northwest side popular with younger physicians and families. New construction communities with modern amenities and easy hospital access.
Rita Ranch (Vail) — Family-oriented and served by the highly regarded Vail School District — a popular destination for physicians with young families on Tucson's southeast side.
Deep understanding of the financial profile of Tucson-area physicians and medical trainees
Programs available for every stage of a medical career — residency through established practice
Access to Jumbo-level Physician Mortgage programs for Tucson's luxury market
Responsive, personal service designed for busy medical professionals
20+ years of Arizona mortgage experience serving complex borrower profiles
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 Tucson-Area Employment — A signed offer letter or employment contract from a Tucson-area hospital, practice, or institution is sufficient to qualify. You don't 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 — Unlike conventional loans, Physician Mortgage programs do not count student loan balances against you the same way. Income-based repayment plans and deferred loans are treated favorably.
Initial Consultation — Discuss your current training or employment status, income expectations, and target neighborhoods in Tucson.
Program Matching — I identify the right Physician Mortgage program for your career stage, loan amount, and property goals.
Pre-Approval — Get pre-approved using your offer letter, contract, or current income — whichever applies.
Property & Underwriting — Find your Tucson home and move through underwriting with physician-friendly documentation standards.
Close & Move In — Complete your purchase with a smooth, efficient closing designed for medical professionals.
Most programs are available for MDs, DOs, DDS, and DMDs. Some programs extend to pharmacists, podiatrists, optometrists, and other licensed healthcare professionals. Residents and fellows are also eligible — often from day one of their program.
Yes. Most Physician Mortgage programs accept a signed residency agreement or offer letter in lieu of pay stubs or tax returns. You can secure financing before your program begins.
No. Most Physician Mortgage programs allow 0–5% down without requiring private mortgage insurance (PMI). This is one of the most significant advantages — allowing you to preserve cash for other priorities while still buying a home.
Student loan debt is handled differently than in conventional mortgage underwriting. Programs may exclude deferred loans entirely or use a lower income-based repayment calculation, which significantly improves your debt-to-income ratio and borrowing capacity.
Yes. Many Physician Mortgage programs accommodate loan amounts well above the conforming limit — making them suitable for purchasing in the Catalina Foothills, Oro Valley, or other Tucson neighborhoods 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. Schedule a consultation and let’s talk through your options.
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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