05/15/2026
Doctors, Dentists, Vets, Pharmacists, CRNAs: You can buy with 0% down.
You didn't take the traditional path. Your mortgage shouldn't require you to either.
Sun West's Non-Conforming Loan for Medical Professionals was built for student loan debt, delayed attending income, and demanding schedules — not against them.
Why my clients love it:
Up to 100% financing to $2,000,000. Keep your savings for life, not a down payment
-No private mortgage insurance required, ever
-Credit score starting at 680
-Fixed rates in 15, 20, 25, 30 years, or ARM options 5/6, 7/6, 10/6
-Manual underwriting that looks at your whole career trajectory
-Non-occupying co-borrowers allowed (up to 50% income)
-Gift funds allowed for reserves
-No prepayment penalties
-Purchase or rate and term refinance, primary residence only
Who qualifies? At least one borrower actively practicing as:
MD, DO, DDS, DMD, Doctor of Ophthalmology, Doctor of Psychiatry, PharmD, VMD, DPM, or CRNA (DNAP/DNP). Medical residents, fellows, and interns qualify too.
If you're buying in AZ, CA, CO, or TX, let's run numbers before you write another rent check.
Juan Lomeli
Co-Branch Manager | NMLS 1019656
Sun West Mortgage, NMLS 3277
D: (623) 263-1178 | [email protected]
juanlomeli.sunwestmortgage.com
All loans subject to credit and property approval. Program terms subject to change without notice. Equal Housing Opportunity.
