Physician & Professional Loans
Programs designed for MDs, DOs, and other licensed professionals that may feature low down payment options, no PMI on select programs, and flexible treatment of student loan debt.*
Peoria · Glendale · Surprise · Greater Phoenix West Valley
Home financing built around a healthcare schedule — not a banker's.
ASJ Mortgage Solutions, LLC helps physicians, nurses, pharmacists, and healthcare professionals — including those newly relocating to Arizona — find mortgage financing that understands residency contracts, shift income, and student loans. Local, licensed, and one phone call away.
NMLS #1909669 · AZ MB-1005394 · Verify our license at NMLS Consumer Access
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Loan Programs
Mortgage options for medical professionals in Arizona
As an mortgage broker, we shop multiple lenders on your behalf — so a night-shift RN, a first-year resident, and a relocating pharmacist can each land on the program that actually fits.
New-Job & Relocation Financing
Just matched, hired, or transferred to a Phoenix-area hospital? Some lenders accept employment contracts as qualifying income — even before your first shift.*
Conventional, FHA & VA
Not every healthcare buyer needs a specialty program. We also compare conventional, FHA, VA, and jumbo options to find the best overall fit for your goals.*
Refinance & Rate Review
Already own in the Valley? We can review whether refinancing your current mortgage could fit your financial plans as your career and income grow.*
First-Time Arizona Buyers
New to homeownership or new to Arizona? We walk you through the process end to end and explore down payment assistance options where available.*
Investment & Second Homes
Building long-term wealth alongside your practice? Ask about financing options for investment properties and second homes across the Phoenix metro.*
Who We Serve
If you carry a hospital badge, you belong here
Professional mortgage programs aren't just for doctors. Eligibility varies by lender, but many programs extend across the entire care team — and we serve every Arizona homebuyer, healthcare or not.
Practicing Physicians (MD / DO)
Medical Residents & Fellows
Registered Nurses & LPNs
Nurse Practitioners & CRNAs
Pharmacists (PharmD / RPh)
Physician Assistants
Dentists, Optometrists & Vets
Therapists, Techs & Allied Health
New Arizona Residents & Relocators
Local Expertise
Your mortgage broker in Peoria — minutes from where you work
The West Valley is one of the fastest-growing healthcare corridors in Arizona. Whether you're commuting to a hospital in Peoria, Glendale, Sun City, or Surprise, or heading into central Phoenix, ASJ Mortgage Solutions, LLC knows the neighborhoods, commute times, and price points that matter to healthcare buyers.
We regularly work with professionals employed at and around major West Valley and Phoenix-area medical campuses, including:
- Banner Thunderbird Medical Center — Glendale
- Banner Boswell & Banner Del E. Webb — Sun City / Sun City West
- HonorHealth & Abrazo network hospitals — Phoenix metro
- Banner Estrella, Valleywise & St. Joseph's — Greater Phoenix
- Mayo Clinic & HonorHealth campuses — Scottsdale / North Phoenix
How It Works
Three steps between your shift and your keys
Talk it through
A quick call — before work, after a shift, whenever fits. We learn your timeline, employment situation, and goals. No pressure, no obligation.
We shop the market
As a broker, we compare programs from multiple lenders — professional loans, conventional, FHA, VA — and present the options clearly, in plain English.
Close with confidence
We coordinate with your agent, lender, and title company and keep you updated at every milestone, from pre-approval through closing day.
Arizona Service Areas
Licensed to serve healthcare homebuyers across Arizona
Our home base is Peoria, but our Arizona Mortgage Broker License covers the entire state. Wherever your hospital, clinic, or pharmacy is — from the Valley to the border towns — we can help you finance a home nearby.
Phoenix West Valley
Our home turf
Peoria · Glendale · Surprise · Sun City · Sun City West · El Mirage · Youngtown · Goodyear · Avondale · Litchfield Park · Buckeye · Tolleson · Waddell & Wittmann
Phoenix & East Valley
Metro core & growth corridor
Phoenix · Scottsdale · Paradise Valley · Tempe · Mesa · Chandler · Gilbert · Queen Creek · San Tan Valley · Fountain Hills · Ahwatukee · Anthem & Cave Creek
Southern Arizona
Tucson metro & beyond
Tucson · Oro Valley · Marana · Sahuarita · Vail · Green Valley · Sierra Vista · Nogales · Benson & Casa Grande
Northern Arizona
High country communities
Flagstaff · Prescott · Prescott Valley · Chino Valley · Sedona · Cottonwood · Camp Verde · Payson · Show Low & Pinetop-Lakeside
Western Arizona
River & border communities
Yuma · Lake Havasu City · Bullhead City · Kingman · Parker · Quartzsite & Somerton
Pinal County & Central AZ
Fast-growing commuter towns
Maricopa · Casa Grande · Florence · Coolidge · Eloy · Apache Junction · Gold Canyon & Globe
Don't see your community? We're licensed statewide — call 480-376-7355 and ask about home financing anywhere in Arizona.
FAQ
Common questions from healthcare homebuyers
Do physician loan programs in Arizona require 20% down?
Many physician and medical professional programs offer low or reduced down payment options, and some may waive private mortgage insurance (PMI). Terms and eligibility vary significantly by lender and by your credit, income, and profession. We compare options across multiple lenders to find what fits. All loans subject to credit approval.
Can nurses and pharmacists qualify for professional loan programs?
Yes — several lenders extend professional mortgage programs beyond physicians to RNs, NPs, CRNAs, pharmacists, PAs, and other licensed healthcare workers. Each lender defines eligible professions differently, which is exactly where working with a broker helps.
I accepted a job at a Phoenix-area hospital but haven't started. Can I get a mortgage?
Often, yes. Many lenders will consider a signed employment contract or offer letter as qualifying income for healthcare professionals, in some cases allowing you to close before your start date. Requirements vary by program — call us at 480-376-7355 and we'll review your specific situation.
Will my student loans keep me from qualifying?
Not necessarily. Some professional programs apply flexible treatment to student debt — for example, excluding deferred loans or using your income-driven repayment amount when calculating your debt-to-income ratio. Every file is different and subject to lender guidelines and credit approval.
How is a mortgage broker different from my bank?
A bank can only offer its own products. As an independent Arizona-licensed mortgage broker, ASJ Mortgage Solutions, LLC shops multiple wholesale lenders on your behalf and matches you to the program and pricing that best fit your situation.
Get Started
Tell us about your home goals — it takes about a minute
Answer a few quick questions and a licensed local mortgage professional will follow up with options tailored to your profession, timeline, and budget.
- Shift-friendly follow-up — we work around your schedule
- Options compared across multiple lenders
- No obligation and no pressure — ever
- Local to Peoria & the Phoenix West Valley
Prefer to talk now?
📞 480-376-7355Secure survey · ASJ Mortgage Solutions, LLC