Nevada physician home loans · Cornerstone First Mortgage · NMLS #173855 Call Mike Certo · (480) 296-6513
Call Mike Free consult
Nevada physician loan — Henderson modern home

Best Physician Loan Lenders Serving Nevada 2026 — Verified Availability + Terms

By Mike Certo, Cornerstone First Mortgage · NMLS #260555 ·

The 60-second answer

For a Nevada physician shopping physician loan programs, here's the verified availability + key terms for the major national programs (current as of May 2026):

Lender / Program NV Available? Max LTV (Loan Amount) Max Loan Notable
Redwood Sequoia (via Cornerstone) ✅ Yes 100% to $1.5M / 95% to $2M $2M Mike's primary program; widest degree eligibility incl. CRNA, DVM, PharmD
Bank of America Doctor Loan ✅ Yes 100% to $1M / 95% to $1.5M $1.5M Limited degree eligibility (MD/DO/DDS only)
BMO Harris Physician Mortgage ✅ Yes 100% to $1M $2M+ Strong reputation; strong program fits
KeyBank Laurel Road Physician ✅ Yes 95-100% $1.5M Specialty NP + PA programs
Flagstar Physician Mortgage ✅ Yes 100% to $1M / 95% to $2.5M $2.5M Broad degree eligibility; competitive
Wintrust Mortgage Physician ✅ Yes 100% to $1M / 95% to $1.5M $1.5M Strong in dental segment
First Horizon Physician ✅ Yes (limited) 95% to $2M $2M More common in TN/Southeast
U.S. Bank Physician Mortgage ✅ Yes 90-95% $2M Less generous LTV
Truist Physician Loan ❌ NOT in NV N/A N/A Confirmed: Truist not licensed for residential lending in NV
BankMD Doctor Loans ✅ Yes 95-100% $1.5M Online-first; less established
First Citizens Bank Physician ✅ Yes (limited) 95-100% $1.5M Regional presence
Citizens Bank Doctor Loan ✅ Yes 95-100% $1.5M Northeast US strength but NV-licensed
Greater Nevada Mortgage (NV credit union) ✅ Yes Varies Smaller loan caps NV-local; requires credit union membership

For most Nevada physicians, the practical short list is: 1. Redwood Sequoia via Cornerstone (Mike's program) — widest degree eligibility, $2M max 2. Bank of America Doctor Loan — strong $1.5M tier 3. BMO Harris Physician — good rate, $2M+ available 4. Flagstar Physician — broad eligibility, $2.5M 5. KeyBank Laurel Road — good for NP/PA-eligible borrowers

Why this comparison matters

Most physician loan comparison sites (White Coat Investor, Student Loan Planner, BigLaw Investor, Financial Residency) provide useful lender lists, but they:

  1. Don't verify NV availability — many list programs that may not actually serve NV borrowers
  2. Are affiliate marketplaces — recommendations may be skewed by referral fees
  3. Don't account for Truist's NV non-availability specifically
  4. Don't have local insight into which programs actually close cleanly in NV

This page is built by a Nevada-licensed loan originator (Mike Certo, Cornerstone First Mortgage) with actual experience originating physician loans in Nevada. Honest, current, NV-specific.

Lender deep dives

Redwood Sequoia Medical Professionals Program (Mike's primary program)

How accessed: Through Cornerstone First Mortgage (Mike's employer) as direct lender partnership.

Terms:

  • LTV: 100% to $1.5M (680+ FICO); 95% to $2M (720+ FICO)
  • Max loan: $2M
  • No PMI at any LTV
  • IBR/PAYE student loan payment counts as actual payment (vs 1% phantom)
  • DTI up to 50% with strong compensating factors

Eligible degrees (widest of any program):

  • MD, DO, DDS, DMD
  • DVM, VMD (most programs exclude veterinarians)
  • DPM
  • PharmD
  • CRNA, DNAP (most programs exclude CRNAs)
  • Eligible residents + fellows in above degrees

Strengths:

  • Widest degree eligibility
  • $2M cap higher than many competitors
  • IBR treatment standard
  • Mike originates locally through Cornerstone

Considerations:

  • Available only through Cornerstone or other Redwood-approved lenders
  • Rate competitive but not always lowest in market

Bank of America Doctor Loan

Terms:

  • LTV: 100% to $1M; 95% to $1.5M
  • Max loan: $1.5M
  • No PMI
  • IBR/PAYE treatment

Eligible degrees:

  • MD, DO (allopathic + osteopathic)
  • DDS, DMD (dental — limited)
  • Residents + fellows

Strengths:

  • Strong brand recognition
  • Established physician loan program
  • BoA banking relationship integration

Considerations:

  • Limited to MD/DO/DDS/DMD (excludes vet, CRNA, pharmacist, podiatrist)
  • $1.5M cap lower than some
  • Bank-centric process; less flexible than our multi-program platform

BMO Harris Physician Mortgage

Terms:

  • LTV: 100% to $1M
  • Max loan: $2M+
  • No PMI
  • IBR/PAYE treatment

Eligible degrees:

  • MD, DO, DDS, DMD
  • Some specialty extensions

Strengths:

  • Strong program fits
  • Higher loan caps than BoA
  • Established program

Considerations:

  • More restrictive degree eligibility than Redwood Sequoia

KeyBank Laurel Road Physician

Terms:

  • LTV: 95-100%
  • Max loan: $1.5M
  • No PMI

Eligible degrees:

  • MD, DO, DDS, DMD
  • NP, PA (rare specialty inclusion for advanced practice nurses)

Strengths:

  • Includes NP + PA (rare)
  • Established physician banking relationship
  • Strong digital experience

Flagstar Physician Mortgage

Terms:

  • LTV: 100% to $1M; 95% to $2.5M
  • Max loan: $2.5M (higher cap)
  • No PMI

Eligible degrees:

  • Broad MD/DO/DDS/DMD eligibility
  • Some specialty programs (CRNA in some markets)

Strengths:

  • Highest loan cap among major programs
  • Strong program fits
  • Broad eligibility

Wintrust Mortgage Physician

Terms:

  • LTV: 100% to $1M; 95% to $1.5M
  • Max loan: $1.5M
  • No PMI

Eligible degrees:

  • MD, DO, DDS, DMD
  • Strong in dental segment specifically

Strengths:

  • Strong dental physician loan program
  • Established in healthcare specialty lending

Lender comparison — choose based on your scenario

Scenario: New attending, $1.2M target home, MD/DO/DDS/DMD

Best options (multiple compete):

  • Bank of America Doctor Loan (100% to $1M tier)
  • Flagstar Physician (100% to $1M tier)
  • Redwood Sequoia via Cornerstone
  • BMO Harris

Compare rates + total closing costs across competing offers.

Scenario: New attending, $1.8M target home, MD/DO/DDS/DMD

Best options:

  • Flagstar Physician (95% to $2.5M)
  • Redwood Sequoia via Cornerstone (95% to $2M)
  • BMO Harris

Scenario: Veterinarian (DVM), any price range

Practical only options:

  • Redwood Sequoia via Cornerstone (one of few programs including DVM)
  • Few other programs cover veterinarians

Scenario: CRNA, any price range

Practical only options:

  • Redwood Sequoia via Cornerstone (most flexible CRNA inclusion)
  • Flagstar (CRNA in some markets)
  • Some specialty programs

Scenario: PharmD, any price range

Practical only options:

  • Redwood Sequoia via Cornerstone
  • Limited other programs include PharmD

Scenario: Premier physician at $3M home (above program max)

  • Jumbo physician loan programs available
  • Some private banking + portfolio lender options
  • Often combination of physician loan ($2M) + supplemental jumbo for remainder

Truist NOT available in Nevada — important clarification

Several physician loan comparison sites (online and offline) list Truist Physician Loan as available in Nevada. Truist is NOT licensed for residential mortgage lending in Nevada as of May 2026. Don't waste application time on a program you can't access.

This is a common error in comparison sites. Verify directly with any lender's NV state licensing before pursuing.

How to shop physician loan offers

Step 1: Get pre-qualified with 2-3 programs simultaneously

  • Mike (Cornerstone Redwood Sequoia)
  • One of: BoA Doctor Loan, BMO Harris, Flagstar
  • Compare rates, fees, max LTV for your specific scenario

Step 2: Lock in best rate + terms

  • Some programs offer rate locks; some allow rate float
  • Lock periods: 30-60 days typical for purchases

Step 3: Move to full underwriting

  • Income documentation
  • Asset documentation
  • Property identification
  • Final underwriting decisions

Step 4: Close

  • 30-45 days from offer acceptance typical
  • Some programs faster (Mike's typical: 30 days)

Frequently asked questions

Is one program always best for everyone?

No — best program depends on degree, loan amount, credit score, scenario. For MD/DO buyers under $1M, multiple programs compete. For DVM/CRNA/PharmD borrowers, Redwood Sequoia via Cornerstone is often the only practical option.

Why doesn't White Coat Investor list Redwood Sequoia?

White Coat Investor's lender list is primarily affiliate-relationship driven. Redwood Sequoia is originated through lending partners like Cornerstone), not a direct-to-consumer brand. Many partner-originated programs aren't on WCI's list.

Are physician loan rates higher than conventional?

Slightly — typically file-specific pricingthan conventional jumbo. The 100% LTV + no PMI usually outweighs this rate premium.

Can I shop multiple physician loan offers at the same time?

Yes — physician borrowers commonly get 2-3 offers in parallel. Mike welcomes comparison shopping.

What if my degree isn't on the major programs' eligibility lists?

Try Redwood Sequoia (widest eligibility), then specialty programs (Laurel Road for NP/PA, KeyBank for some), then conventional or specialty FHA. Some healthcare workers don't qualify for physician loans + need standard programs.

What about credit unions like Greater Nevada Mortgage?

Greater Nevada Mortgage offers physician loans for credit union members. Smaller loan caps than national programs; competitive terms within NV. Worth considering if you join Greater Nevada CU.

Does Mike charge to compare lenders for me?

No — Mike's lender comparison + analysis is free. Mike earns when the loan closes (via standard lender pricing). If another lender beats Mike's quote, Mike will tell you.

What's the difference between physician loan and physician jumbo?

Physician loan: usually capped at $1.5-$2M with 100% LTV provisions. Physician jumbo: for amounts above standard physician loan max (typically $2M+); similar benefits but higher LTV restrictions (90% typical) and stricter qualifying.

Talk to Mike about your physician loan comparison

Free 30-minute call. Bring your degree, current/expected income, target NV area, credit score, and any pre-quotes from other lenders. Mike will model multiple programs side-by-side.

Talk to Mike about your physician loan

By submitting, you consent to be contacted by Mike Certo about your mortgage inquiry. Message and data rates may apply. Reply STOP to opt out.

(480) 296-6513 · Mike Certo, NMLS #260555 · Cornerstone First Mortgage NMLS #173855

Sources

Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content + lender comparison; Mike originates Redwood Sequoia. Lender availability + terms verified May 2026; may change. Loans subject to buyer and property qualification.