Sunrise Health System Physician Loan Guide (HCA Las Vegas)
Program figures verified July 2026 — details change; confirm your scenario with us.
The 60-second answer
If you're a physician at any Sunrise Health System hospital — Sunrise Hospital and Medical Center, MountainView Hospital, or Southern Hills Hospital and Medical Center — you qualify for the same 100% LTV / no PMI physician loan available to all NV physicians.
Sunrise Health System is HCA Healthcare's southern Nevada hospital network — one of the largest private hospital systems in NV. Strong physician staff across multiple Las Vegas hospitals + GME programs.
Sunrise Health System at a glance
Hospitals
- Sunrise Hospital and Medical Center (Maryland Pkwy + Desert Inn area, central Las Vegas) — flagship facility
- MountainView Hospital (NW Las Vegas, near Summerlin)
- Southern Hills Hospital and Medical Center (Las Vegas, southern Strip area)
- Sunrise Children's Hospital (at Sunrise Hospital campus — Las Vegas's pediatric tertiary care)
Parent organization
- HCA Healthcare — largest US private hospital operator
- Sunrise = HCA's southern Nevada brand
Services
- Multi-specialty acute care
- NICU (Sunrise Children's)
- Cardiovascular
- Bariatric
- Comprehensive obstetric + gynecologic
- General + specialty surgery
- Various other specialty services
GME programs
- Internal Medicine residency
- Family Medicine residency
- Emergency Medicine residency
- General Surgery residency (at Sunrise)
- Pediatric (at Sunrise Children's)
- Various subspecialty fellowships
Sunrise physician compensation
Hospital-employed
- Hospitalist: $290K-$360K
- Emergency Medicine: $320K-$430K
- OB/GYN: $315K-$445K
- General Surgery: $410K-$680K
- Specialty Surgery (ortho, neurosurg): $585K-$1.2M+
- Cardiology: $485K-$1M+
- Anesthesiology: $400K-$550K
Resident + fellow compensation
- PGY-1: ~$63K-$68K
- Senior residents: ~$68K-$75K
- Fellows: ~$72K-$87K
HCA system bonuses + retention
- HCA uses retention bonuses for established physicians
- Sign-on bonuses for shortage specialties
- For physician loan: base salary is primary qualifying income; bonuses are case-by-case
Where Sunrise physicians actually buy
Near Sunrise Hospital (central LV)
- Westridge, John S. Park, Scotch 80s — historic LV character, $385K-$725K
- Arcadia / Madison area — established Vegas families
- Distance to Sunrise Hospital: 5-15 minutes
Near MountainView Hospital (NW LV)
- Summerlin — premium master-planned, $650K-$1.5M+
- Centennial Hills — family-focused, $475K-$725K
- Skye Canyon + Providence — newer construction, $550K-$800K
- Distance to MountainView: 5-20 minutes
Near Southern Hills Hospital (southern Strip area)
- Mountain's Edge — family-focused, $475K-$725K
- Southern Highlands — luxury, $850K-$2M+
- Henderson (Anthem, Inspirada, Cadence) — $625K-$1.5M
- Distance to Southern Hills: 10-25 minutes
Cross-hospital flexibility
Many Sunrise physicians work at multiple Sunrise hospitals. Location decisions consider overall hospital network + commute patterns.
Common Sunrise scenarios
Scenario 1: Sunrise Hospital ER attending, family
- Income: $385K (4 years Sunrise ER)
- Wants: $725K home in Centennial Hills
- Path: 100% LTV physician loan
- Outcome: Strong qualifying with family-friendly home
Scenario 2: New PGY-1 IM resident at Sunrise
- Income: $63K (PGY-1)
- Wants: $385K starter home near Sunrise
- Path: 100% LTV physician loan using current resident salary
- Or: Wait until 3rd year + use attending contract for higher purchase capacity
- Strategic decision: depends on timeline + appreciation outlook
Scenario 3: MountainView Hospital cardiology attending
- Income: $625K (5 years MountainView cardio)
- Wants: $1.4M Summerlin Mesa home
- Path: 100% LTV physician loan up to $1.5M
- Outcome: Premium home within program max
Scenario 4: Southern Hills hospitalist transition to private practice
- Income: $325K (3 years Southern Hills hospitalist)
- Transitioning to private hospitalist group, $385K
- Wants: $725K Henderson family home
- Path: Physician loan using new private group contract
- Outcome: Career transition + home upgrade
Scenario 5: Sunrise Children's Hospital pediatric subspecialty fellow
- Fellow income: $82K (pediatric cardiology fellow at Sunrise Children's)
- Attending contract signed: $385K pediatric cardiology, starting August
- Wants: $725K Centennial Hills family home
- Path: Physician loan using attending contract; closes summer; pre-attending start
Sunrise-specific lending considerations
HCA W-2 employment structure
HCA Healthcare is the W-2 employer for Sunrise physicians. Clean W-2 income for qualifying.
Multi-hospital employment
Some Sunrise physicians work at multiple Sunrise hospitals. One HCA employment from lender perspective; combined income counts.
Pediatric specialty (Sunrise Children's)
Sunrise Children's pediatric subspecialists are HCA-employed via Sunrise Health System. Specialty-specific compensation may differ.
Retention + sign-on bonuses
HCA uses retention bonuses. Base salary is primary for qualifying; bonus history (2+ years) may count.
Subspecialty residency + fellowship programs
Sunrise hosts multiple GME programs; outgoing residents to attending positions can use signed contracts.
Frequently asked questions
Is Sunrise Hospital the same as Sunrise Children's?
Both are part of Sunrise Health System on the same campus. Sunrise Hospital is adult hospital; Sunrise Children's is pediatric. Often staffed by overlapping physicians + administered jointly.
What about MountainView vs Sunrise Hospital for physicians?
Both Sunrise Health System hospitals. MountainView in NW Vegas (Summerlin-adjacent); Sunrise Hospital in central Vegas (Maryland Pkwy). Different geographic patient bases + commute considerations. Same employer for lending purposes.
Does HCA offer mortgage benefits?
Standard HCA employee benefits don't include specialty physician mortgage program. Physician loan through Cornerstone typically beats any HCA-referred mortgage.
Can I use sign-on bonus for closing cash?
Sign-on bonus paid before closing can be used as cash for closing or down payment. Sign-on bonus paid after closing typically doesn't count toward qualifying.
What if I'm transitioning from Sunrise residency to Sunrise attending?
Standard pre-attending closing. Use signed attending contract for income qualification. Mike has originated this scenario for multiple Sunrise + UMC residents.
What about Sunrise physicians who also have UMC appointments?
Some physicians have dual Sunrise + UMC appointments. Combined income counts. From lender perspective, two employers but combined qualifying.
Can I buy a home before I start at Sunrise as a new attending?
Yes — physician loan accepts signed attending contracts 60-90 days before start. Common path for incoming Sunrise attendings.
What about Sunrise physicians moonlighting at other hospitals?
Moonlighting income at other facilities counts as 1099 (typically) or W-2 from other facilities. Documentation similar to other 1099 income.
Does the Sunrise hospital location affect my home choice?
Your patient's primary residence is your choice. Most Sunrise physicians live in their preferred Las Vegas neighborhood + commute.
What about Sunrise pediatric subspecialty fellows transitioning to attending?
Standard process — fellow income + signed attending contract = qualifying for physician loan during transition.
Talk to Mike about your Sunrise scenario
Free 30-minute call. Bring your specific Sunrise hospital (Sunrise, MountainView, Southern Hills, Sunrise Children's), role, attending contract status, and target Las Vegas neighborhood.
(480) 296-6513 · Mike Certo, NMLS #260555 · Cornerstone First Mortgage NMLS #173855
Sources
- Sunrise Health System
- Sunrise Hospital and Medical Center
- HCA Healthcare
- Redwood Residential Acquisition Corporation — Sequoia Medical Professionals Program Eligibility Guide v1.1
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Not affiliated with HCA Healthcare or Sunrise Health System. Educational content, not a loan commitment. Loans subject to buyer and property qualification.