Nevada CRNA Mortgage Guide — Nurse Anesthetist Home Loan
Program figures verified July 2026 — details change; confirm your scenario with us.
The 60-second answer
If you're a Nevada Certified Registered Nurse Anesthetist (CRNA), you face a specific lender accessibility issue:
Most physician loan programs EXCLUDE CRNAs. Bank of America, BMO Harris, Truist (not in NV anyway), and many national programs limit eligibility to MDs, DOs, and sometimes dentists.
The Redwood Sequoia Medical Professionals Program DOES include CRNAs — and Mike originates this program through Cornerstone First Mortgage.
For Nevada CRNAs:
- $0 down up to $1.5M (680+ FICO) or $2M (720+ FICO)
- No PMI / no mortgage insurance at any LTV
- Nursing school IBR/PAYE counts actual payment vs 1% of balance
- DTI up to 50%
- Same terms as MDs and DOs — no CRNA discount, no extra restrictions
If you're a Nevada CRNA and you've been told "physician loans aren't for you" elsewhere, that may not be the complete picture.
Why CRNAs are typically excluded — and why Redwood Sequoia accepts you
The historical exclusion reason: many physician loan programs limit eligibility to doctoral-level designations (MD, DO, DDS, DMD, DVM, PharmD, DPM). CRNAs are master's level (historically) or DNAP doctorate (newer requirement).
Redwood Sequoia evaluates eligibility on degree credential AND demonstrated income capacity:
- CRNAs in Nevada typically earn $200K-$280K
- That's higher than many primary care MDs
- Income justifies same lending treatment
Redwood Sequoia accepts:
- CRNA (Certified Registered Nurse Anesthetist)
- DNAP (Doctor of Nurse Anesthesia Practice — newer doctoral credential, now required for new CRNAs as of 2025)
Nevada CRNA pipeline
UNLV CRNA Program (Las Vegas)
- DNAP program at UNLV
- Primary NV CRNA training pipeline
- Many graduates stay in Las Vegas/Henderson
Other CRNA programs serving NV
- Various out-of-state programs (Texas Wesleyan, Midwestern, etc.)
- Some NV CRNAs trained out of state + relocated
Where Nevada CRNAs work
Las Vegas
- UMC of Southern Nevada (Level I trauma)
- Sunrise Hospital + MountainView Hospital + Southern Hills Hospital (Sunrise Health)
- Valley Hospital + Centennial Hills + Spring Valley + Summerlin Hospital (Valley Health)
- St. Rose Dominican Hospital + Henderson Hospital (Dignity Health)
- Multiple surgery centers + private practice
- Locum tenens + agency placements
Reno + Northern NV
- Renown Regional Medical Center
- Saint Mary's Regional Medical Center
- Carson Tahoe Health
- VA Sierra Nevada Health Care System
Rural NV
- Various rural hospital + surgery centers
- Premium pay for shortage-area practice
Common Nevada CRNA buyer profiles
New CRNA graduate
A typical NV new CRNA:
- 0-2 years post-CRNA training
- $215K-$255K starting salary
- $185K-$300K nursing + CRNA school loans on IBR
- Wants first home in Vegas, Henderson, or Reno
Physician loan math: 100% LTV with no PMI; IBR student loan payment counts vs conventional 1% phantom. Determinative for qualifying.
Experienced hospital CRNA
A typical mid-career hospital CRNA:
- 5+ years experience
- $245K-$295K income
- Established home or upgrading
- Possible 1099 side gig (locum tenens)
CRNA in private anesthesia group
Group practice CRNAs:
- W-2 or partner-track
- $265K-$340K typical
- Often higher because partner-track
Rural / underserved CRNA
CRNAs in rural NV (Pahrump, Mesquite, Elko, etc.):
- Premium pay for shortage-area practice
- $285K-$365K
- May qualify for nurse-specific loan forgiveness programs (separate from physician loan)
Locum tenens CRNA (1099)
Travel/locum CRNAs:
- High income but 1099 structure
- $300K-$425K+ annualized
- Requires 2 years of 1099 history for conventional qualifying
- our specialty non-QM programs
Common Nevada CRNA scenarios
Scenario 1: New UNLV CRNA graduate, first home
- New CRNA grad, 1 year at LV hospital
- Income: $215K
- Credit: 715
- Student loans: $185K on IBR ($245/mo)
- Wants: $625K Henderson Inspirada home
- Path: 100% LTV physician loan via Cornerstone
- Outcome: New CRNA + family home
Scenario 2: Experienced LV CRNA family
- 7 years LV hospital CRNA
- $285K + on-call differential
- Wants: $725K Summerlin home
- Path: 100% LTV physician loan
- Outcome: Move-up to premium Vegas neighborhood
Scenario 3: Reno CRNA at Renown
- 5 years Renown anesthesia
- $255K
- Wants: $625K Damonte Ranch home
- Path: 100% LTV physician loan
- Outcome: Family-focused Reno purchase
Scenario 4: Locum CRNA across multiple LV facilities
- 4 years locum CRNA
- 1099 income: $385K
- Wants: $725K LV home
- Path: our specialty non-QM programs)
- Outcome: 1099 CRNA path
Scenario 5: CRNA partner in private group
- 10 years CRNA, partner-track in private group
- K-1 + W-2 combined: $385K
- Wants: $1.2M Henderson MacDonald Ranch
- Path: 100% LTV physician loan via Redwood Sequoia
- Outcome: Premium move-up
NV-specific CRNA + lending considerations
NV no state income tax benefit
For NV-resident CRNAs:
- All W-2 + 1099 income NV-source (0% state tax)
- Substantial savings vs CA + other high-tax state CRNAs
- Often $20K-$45K+ annual savings depending on income tier
Locum + travel CRNA flexibility
NV's CRNA shortage + premium pay creates locum opportunities. Combined with no state income tax + Mike's our specialty non-QM programs, locum CRNAs have strong financing options.
Practice ownership
Some CRNAs become group practice owners. Combined practice + personal financing coordination. Mike facilitates.
Disability + retirement planning
Self-employed CRNAs typically purchase own disability insurance. Affects monthly cash flow but doesn't reduce qualifying income.
Frequently asked questions
Are CRNAs really eligible for physician loans?
Under the Redwood Sequoia Medical Professionals Program (which Cornerstone originates): yes. Many other national bank programs (Bank of America, BMO Harris, KeyBank) exclude CRNAs. This program includes you.
What about Registered Nurses (RN) or Nurse Practitioners (NP)?
Redwood Sequoia eligibility specifically includes CRNA but typically not RN or NP. Some specialty lenders have NP-specific programs (Laurel Road). Conventional FHA / VA always available.
What about Clinical Nurse Specialists or Nurse Midwives?
Generally not on Redwood Sequoia eligibility list. Conventional, FHA, or specialty programs apply.
Can I include my spouse's non-CRNA income?
Yes — spouse's W-2 or 1099 income counts as standard co-borrower; you (CRNA) qualify under physician loan terms.
What about CRNA students about to graduate?
Most lenders require degree + signed CRNA position offer. Some pre-approve based on contract within 60-90 days of start. Mike can assess your specific situation.
Can I qualify with 1099 locum CRNA income?
Yes — through our specialty non-QM programs. Locum + 1099 paths exist via Mike's program network.
What's the typical NV CRNA mortgage cap?
Most NV physician loans cap at $2M. Higher-income CRNAs buying premium homes use jumbo physician or jumbo for additional.
Do I qualify if I'm transitioning from W-2 to locum?
Some lenders accept transition with 12+ months 1099 history. Mike will model your specific scenario.
Can I refinance a non-CRNA-friendly loan to physician loan later?
Yes — once you become CRNA + your existing loan can be refinanced, physician loan refinance available. Useful for nurses transitioning to CRNA.
What about CRNA + RN combined household income?
Both incomes count if married. CRNA qualifies under physician loan; RN spouse's W-2 income combines as co-borrower.
Talk to Mike about your NV CRNA scenario
Free 30-minute call. Bring your CRNA year, current role (hospital W-2, group, locum 1099), NV target neighborhood, student loan status.
(480) 296-6513 · Mike Certo, NMLS #260555 · Cornerstone First Mortgage NMLS #173855
Sources
- Redwood Residential Acquisition Corporation — Sequoia Medical Professionals Program Eligibility Guide v1.1
- American Association of Nurse Anesthesiology
- UNLV School of Nursing — CRNA Program
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment. Loans subject to buyer and property qualification.