Mortgage | Physician Loans

Doctor Physician Loan Mortgage Arizona Jeff Heggie

Jeff Heggie – Arizona Mortgage Loan Officer NMLS#2247399

Some of you may know, but in addition to my business, success, and peak performance coaching, I have recently joined Geneva Financial Home Loans, a mortgage lender headquartered in Chandler, Arizona as a Mortgage Loan Originator. I’ve always had a passion for serving others and now I’m proud to be a part of Home Loans Powered by Humans. If you are in the state of Arizona and looking to take the next step in your journey, contact me at 801-830-3858 to start the conversation.

NMLS#42056 BK#0910215 Equal Opportunity Lender.

In addition to my other articles on this site, at times I will share valuable information regarding the mortgage and/or real estate industry.

At Geneva Financial we offer Conventional, FHA, VA, USDA, Refinance, Reverse, Jumbo and Condo Financing as well as Down Payment Assistance Programs, First-Time Homebuyer Programs, Physician Loans and Hero Loans for First Responders, Police, Firefighters, Nurses, and Teachers.

The Arizona real estate market is exciting right now. So whether you are moving to Arizona and you’re looking to buy a new home, or you already live here and you’re looking to buy, or refinance, there are many opportunities.

Physician Loan

Today I want to share some information for those who are looking for more information on Physician Loans.

What is it?

The decision to care for others is honorable but often comes with the burden of substantial student loan debt. If you are a resident, recent med school grad, or in the early stage of your career, the Doctor Loan is designed just for you. This program offers terms that benefit home buyers like yourself, who have great earning potential.

Features and Benefits

  • Low down payment 
  • Loan amounts up to $850,000 
  • 5/1 and 7/1 adjustable-rate mortgage options available 
  • Deferred student debt may be excluded from payment ratios¹ 
  • Interested party contributions allowed 

Who is able to get a doctor loan?

Eligible borrowers include a medical resident (with educational license), medical doctor (MD), doctor of dental science (DDS), doctor of dental medicine or surgeon (DMD), doctor of optometry (OD), doctor of ophthalmology (MD), doctor of osteopathy (DO), doctor of pediatric medicine (DPM) 

 ¹Only the medically licensed borrower is eligible for exclusion. Deferment must be 12 months beyond closing date. Purchase and rate/term refinance. Primary residence only. Some restrictions may apply. All borrowers are subject to credit approval. Programs subject to change without notice. Underwriting terms and conditions apply. Rev 0916.

For more information and details contact Jeff at or (801)830-3858 or visit

Learn about other mortgage products: Conventional Loans, FHA Loans, Refinancing, VA Loans, USDA Loans, HERO Loans, Others


Published by D. Jeff Heggie

Father, Husband, Coach & Entrepreneur

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