Physician Mortgage Loans in Arizona — Low Down Payment, No PMI.
Whether you're practicing in Phoenix, relocating to Scottsdale, or finishing residency at University of Arizona College of Medicine — Sean Shallis specializes in physician lending nationwide.
As little as 10% down. No PMI. Up to $1M. Student loan-friendly. Originated through a national portfolio lender.
Arizona physicians deserve a lender who gets it.
Sean Shallis is a national physician loan specialist who originates through a national portfolio lender, with the same file and the same underwriter from application to close. He's married to a physician — he understands the student debt, the relocations, the delayed gratification, and the earning curve that makes physicians uniquely qualified borrowers.
Whether you're an attending at Banner Health, a resident at University of Arizona College of Medicine, or relocating to Phoenix for a new role — Sean's physician loan programs are available nationwide with the same white-glove service.
Attending Physicians
MDs, DOs, JDs in Arizona. Up to $1M, as little as 10% down, no PMI.
Residents & Fellows
Training at University of Arizona College of Medicine? Qualify on your signed contract, not current salary.
Relocating to Arizona
Moving to Phoenix or Scottsdale for a new role? Close before you start.
Construction & Renovation
Building or renovating in Arizona? Single-close construction-to-permanent loans available.
As little as 10% down, no PMI — up to $1M
No private mortgage insurance, regardless of LTV
Underwritten on earning trajectory, not current IBR
Physician-specific processing lane
Sean vs. Typical Arizona Lenders
Most Arizona lenders offer physician loans. Very few offer physician lending strategy.
Serving Physicians Across Arizona
Sean works with physicians at every major Arizona institution — and nationwide.
Physician mortgage loans available for physicians buying or refinancing in Phoenix.
Physician mortgage loans available for physicians buying or refinancing in Scottsdale.
Physician mortgage loans available for physicians buying or refinancing in Tucson.
Residents and fellows can qualify with a signed employment contract.
Residents and fellows can qualify with a signed employment contract.
Attending physicians and staff can access physician loan programs.
Attending physicians and staff can access physician loan programs.
Attending physicians and staff can access physician loan programs.
Physician Loan FAQ — Arizona
Can I get a physician loan if I'm relocating to Arizona?
I'm a resident at University of Arizona College of Medicine. Can I buy now?
Does Sean work with physicians in Phoenix and Scottsdale?
What are the down payment requirements?
Can I build a home in Arizona with a physician loan?
Is the AI rate monitoring really free?
Ready to see what you qualify for in Arizona?
90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.
Know Arizona before you borrow
How closings work in Arizona
Escrow and title companies run closings; attorneys are uncommon at the table.
Taxes and transfer costs
Property taxes are moderate and assessed on a limited-value basis that rises gradually; HOAs are common and their dues and rules are part of the loan file.
Insurance that shapes the file
Monsoon-season roof and water damage drive claims; wildfire underwriting applies in the high country around Flagstaff and Prescott.
Where people are buying
Phoenix · Scottsdale · Tucson · Flagstaff · Prescott. First-time and lower-down-payment programs run through the Arizona Department of Housing.
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Arizona →