Nevada Physician Loan — Who Qualifies
Program figures verified July 2026 — details change; confirm your scenario with us.
The eligible degrees list — Nevada
The Redwood Sequoia Medical Professionals Program accepts the following degrees for Nevada borrowers (same eligibility list as Arizona):
Allopathic + Osteopathic Medicine
- MD — Doctor of Medicine (allopathic)
- DO — Doctor of Osteopathic Medicine
Dental
- DDS — Doctor of Dental Surgery
- DMD — Doctor of Dental Medicine
Specialty Medicine
- Ophthalmology subspecialties (MD/DO base required)
- Psychiatry (MD/DO base required)
- DPM — Doctor of Podiatric Medicine
Pharmacy
- PharmD — Doctor of Pharmacy
Veterinary
- DVM — Doctor of Veterinary Medicine
- VMD — Veterinariae Medicinae Doctoris (University of Pennsylvania)
Nurse Anesthesia
- CRNA — Certified Registered Nurse Anesthetist
- DNAP — Doctor of Nurse Anesthesia Practice
Residents, Fellows, Interns
Currently-training physicians with the above degrees, transitioning to attending positions, qualify with signed attending contract.
Why this list matters for Nevada specifically
Nevada has substantial pipelines for several of these specialties:
Nevada physician education pipeline
- University of Nevada, Reno School of Medicine (UNR Med) — MD program
- University of Nevada, Las Vegas School of Medicine (UNLV SOM) — MD program (newer, established 2017)
- Touro University Nevada — College of Osteopathic Medicine (Henderson) — DO program
Nevada dental pipeline
- UNLV School of Dental Medicine (Las Vegas) — DMD program
- Roseman University College of Dental Medicine (Henderson) — DMD program
Nevada veterinary
- No NV vet school; DVMs in NV are typically out-of-state trained (often Colorado State, UC Davis, Washington State)
Nevada nurse anesthesia
- UNLV CRNA program — DNAP
Nevada pharmacy
- Roseman University College of Pharmacy (Henderson) — PharmD
- UNR Pharmacy — PharmD
Nevada physician training pipeline (GME)
- Valley Hospital Medical Center / Sunrise Hospital (Las Vegas)
- University Medical Center of Southern Nevada (UMC) (Las Vegas)
- Renown Regional Medical Center (Reno)
- Saint Mary's Regional Medical Center (Reno)
- Multiple residency + fellowship programs in NV (smaller GME footprint than AZ)
Common Nevada eligible-physician scenarios
MD/DO scenarios
- New attending at Sunrise Hospital Las Vegas
- New attending at Renown Reno
- Solo private practice physician
- Hospital-employed specialist
Dental scenarios
- UNLV or Roseman DMD grad opening practice in Las Vegas
- Established dentist upgrading home
- Orthodontist or specialist
Veterinary scenarios
- New DVM grad joining Banfield or VCA Las Vegas
- Specialty referral vet
- Equine vet (Pahrump, rural NV)
CRNA scenarios
- UNLV CRNA grad joining Sunrise or Valley Hospital
- Locum tenens CRNA serving rural NV facilities
PharmD scenarios
- Hospital pharmacist at UMC or HCA
- Retail pharmacy manager
- Pharmacy ownership
What's NOT eligible
The Redwood Sequoia program does NOT include:
- Registered Nurses (RN) — even Bachelor's prepared or specialty-certified
- Nurse Practitioners (NP) — except as noted in specialty programs (Laurel Road has NP-specific)
- Physician Assistants (PA)
- Physical Therapists (DPT)
- Occupational Therapists
- Chiropractors (DC)
- Naturopathic Doctors (ND)
- Optometrists (OD) — distinct from Ophthalmologists who are MD/DO + specialty
- Audiologists (AuD)
- Clinical Social Workers (LCSW, MSW)
- Mental Health Counselors / Marriage Family Therapists
For non-eligible healthcare workers, conventional, FHA, USDA, or VA loans (if veteran) apply. Some specialty professional loan programs exist for specific roles (e.g., NP-specific programs from a couple of lenders).
Frequently asked questions
What if I have multiple eligible degrees (MD + MBA, DDS + JD, etc.)?
One eligible degree is enough. The additional degree doesn't change eligibility but may strengthen the application narrative.
Do international medical graduates (IMG) with US residency qualify?
Yes — once you've completed a US residency or are in a US residency program, you qualify the same as US medical school grads. The qualifying degree is the MD or DO, regardless of where conferred.
What about Doctor of Public Health (DrPH) or Doctor of Nursing Practice (DNP)?
DrPH and DNP are typically not on the eligibility list. Some specialty programs may include DNP for advanced practice nurses; confirm with Mike.
My spouse has an eligible degree but I don't. Can we still use the physician loan?
Yes — your spouse's eligibility qualifies the loan. Your income can be combined as co-borrower income. The loan is in both names; eligibility flows from the qualified spouse.
Can a medical student qualify (not yet graduated)?
Generally no — degree must be conferred (graduated). Some lenders pre-approve graduating students within 60-90 days of conferring; check with Mike about your specific timeline.
What about MD/PhD researchers without clinical practice?
Yes — MD-PhD with research-track career qualifies. Income from research grants + base salary counts.
Talk to Mike about your eligibility
Free 30-minute call. Bring your degree info, current role, target Nevada area + timeline.
(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
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.