Valley Health System Las Vegas Physician Loan Guide
Program figures verified July 2026 — details change; confirm your scenario with us.
The 60-second answer
If you're a physician at any Valley Health System hospital — Valley Hospital, Centennial Hills Hospital, Spring Valley Hospital, or Summerlin Hospital — you qualify for the same 100% LTV / no PMI physician loan available to all NV physicians.
Valley Health System is Universal Health Services' (UHS) southern Nevada hospital network. Major private hospital operator with 4 Las Vegas-area hospitals + outpatient practices.
Valley Health System at a glance
Hospitals
- Valley Hospital Medical Center (central LV, Shadow Lane near UMC)
- Centennial Hills Hospital Medical Center (NW Las Vegas)
- Spring Valley Hospital Medical Center (Spring Valley area)
- Summerlin Hospital Medical Center (Summerlin area, west LV)
- Desert View Hospital (Pahrump — separate small market)
Parent organization
- Universal Health Services (UHS) — major national hospital operator
- Valley = UHS southern Nevada brand
Services
- Multi-specialty acute care
- Emergency departments at all 4 LV hospitals
- ICU + specialty units
- Surgical services
- Behavioral health programs
- Maternity services (most facilities)
GME programs
- Internal Medicine residency (at Valley Hospital)
- Family Medicine residency
- Emergency Medicine residency
- General Surgery (selected)
- Various community-based fellowships
Valley physician compensation
Hospital-employed (typical)
- Hospitalist: $280K-$355K
- Emergency Medicine: $315K-$425K
- OB/GYN: $300K-$435K
- General Surgery: $400K-$675K
- Specialty Surgery: $580K-$1.1M+
- Cardiology: $475K-$985K+
- Anesthesiology: $395K-$540K
Resident + fellow compensation
- PGY-1: ~$62K-$67K
- Senior residents: ~$67K-$74K
- Fellows: ~$71K-$85K
Where Valley physicians actually buy
Near Valley Hospital (central LV)
- Westridge, John S. Park, Scotch 80s — historic character, $385K-$700K
- Arcadia + Madison — established families
- Las Vegas Country Club — premium, $1M-$3M
- Distance: 5-15 minutes
Near Centennial Hills Hospital (NW LV)
- Centennial Hills (proper) — $475K-$725K
- Skye Canyon + Providence — newer construction, $550K-$800K
- Mountain's Edge — $475K-$725K
- Distance: 5-15 minutes
Near Spring Valley Hospital
- Spring Valley — $385K-$625K
- Mountain's Edge — $475K-$725K
- Distance: 10-15 minutes
Near Summerlin Hospital (west LV)
- Summerlin (all villages) — $550K-$1.5M+
- Red Rock area — $625K-$1.1M
- The Ridges + premium Summerlin — $1.8M-$15M+
- Distance: 5-20 minutes within Summerlin
Cross-hospital flexibility
Many Valley physicians work at multiple Valley hospitals. Location decisions consider overall network + commute patterns + preferences.
Common Valley scenarios
Scenario 1: Valley Hospital IM PGY-3 → Valley hospitalist
- Current: PGY-3 IM at Valley Hospital, $73K
- Attending: Valley hospitalist, $310K, starting July 1
- Wants: $625K home in central LV or Spring Valley
- Path: 100% LTV physician loan; closes June
Scenario 2: Summerlin Hospital ER attending
- 4 years Summerlin Hospital ER, $385K
- Wants: $725K Summerlin family home
- Path: 100% LTV physician loan; strong qualifying
Scenario 3: Centennial Hills new attending
- New PGY-3 graduate, hospitalist at Centennial Hills
- Income: $295K
- Wants: $525K Centennial Hills home (commute proximity)
- Path: 100% LTV physician loan
Scenario 4: Valley + UMC dual appointment
- Some physicians have privileges + practice at both Valley + UMC
- Combined income counts
- Often academic + private clinical mix
Scenario 5: Pediatric specialty at Summerlin Hospital
- Pediatric subspecialist at Summerlin Hospital
- Income: $385K
- Wants: $725K Summerlin family home
- Path: 100% LTV physician loan
Valley-specific lending considerations
UHS W-2 employment
Universal Health Services is the W-2 employer. Clean W-2 income for qualifying.
Multi-hospital privileges
Common for Valley physicians to have privileges at multiple Valley hospitals. From lender perspective: one UHS employer.
Outpatient + clinic affiliation
Some Valley physicians also see patients at affiliated outpatient practices. Income from various sources documented.
Subspecialty + private practice combinations
Some Valley physicians have private practice supplementing hospital employment. Combined W-2 + Schedule C income documented.
Frequently asked questions
Is Valley Hospital the same as UMC?
No — Valley Hospital is private (UHS-owned); UMC is public (Clark County-owned). Both are major Las Vegas hospitals. Many physicians have privileges at both.
What about Centennial Hills Hospital specifically?
Centennial Hills Hospital is Valley Health System's NW LV facility. Newer hospital (2008); growing community. Many physicians live nearby.
Does Valley have an employee mortgage program?
Standard UHS employee benefits don't include specialty physician mortgage program. Physician loan through Cornerstone typically delivers better terms.
Can I assume the attending position before residency completion?
Most attending offers are made 6-12 months before start, contingent on residency completion. Physician loan works on signed offer + expected completion.
What about Desert View Hospital (Pahrump)?
Desert View is Valley Health System's Pahrump facility (small market). Different geographic + lifestyle considerations. Some Pahrump physicians use Valley loan structure.
What about Summerlin Hospital + premier Summerlin neighborhoods?
Summerlin Hospital location ideal for physicians wanting to live within Summerlin (commute < 15 min). Premium pricing in Summerlin proper; physician loan opens accessibility.
Can I work at Valley + private practice combined?
Yes — common scenario. Combined W-2 + Schedule C income documented at qualifying.
What if I'm transitioning to Valley from another LV hospital?
Standard process. Current hospital + signed new Valley contract used for qualifying.
Are there pediatric subspecialty programs at Valley?
Some pediatric subspecialty at Summerlin Hospital. Most LV pediatric tertiary care at Sunrise Children's.
What about Valley OB/GYN physicians?
Valley Hospital has maternity services. OB/GYN attendings at Valley + other facilities (Sunrise, Summerlin) common.
Talk to Mike about your Valley scenario
Free 30-minute call. Bring your specific Valley hospital (Valley, Centennial Hills, Spring Valley, Summerlin), role, attending contract status, target LV neighborhood.
(480) 296-6513 · Mike Certo, NMLS #260555 · Cornerstone First Mortgage NMLS #173855
Sources
- Valley Health System
- Universal Health Services
- 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 Valley Health System or UHS. Educational content, not a loan commitment. Loans subject to buyer and property qualification.