Exclusively for Medical Professionals

Home financing
worthy of the career
you have built.

You have dedicated years to your craft. This program is dedicated to you — delivering exclusive mortgage advantages that conventional lending cannot match.

0% Down
No Down Payment Required Finance up to $1,250,000 on your primary residence with nothing down
Zero PMI
No Private Mortgage Insurance Eliminate the extra monthly cost conventional borrowers always pay
Up to $2M
Jumbo Loan Limits Finance the home your career demands — far beyond conforming limits
Check My Eligibility View the Program

¹ A minimum 5% down payment may be required for certain loan scenarios. Not all applicants will qualify. Subject to credit approval and underwriting guidelines. This is not a commitment to lend.

Your Dedicated Team
Mortgage & Real Estate, Together
Sia Klaibua – Mortgage Loan Originator, Sunflower Bank
Sia Klaibua
Mortgage Originator
Sunflower Bank
Ryan Moxley – Real Estate Agent, My Home Group
Ryan Moxley
Real Estate Agent
My Home Group · Arizona
Your Next Chapter

The long hours.
The relentless dedication.
This is what it was all for.

You have built a career that very few can claim. Now build the home to match it — with 0% down, no private mortgage insurance, and financing up to $2,000,000. You have more than earned this.

Soaring great room with double-height ceilings, linear fireplace, warm lighting and pool views
Primary Residence · 0% Down
The life you pictured on your hardest days.
Stunning white modern flat-roof home with stone accents and illuminated pathway at dusk
Up to $2,000,000
A home that announces your arrival.
Luxury chef's kitchen with marble waterfall island, gold pendant lights and warm ambient lighting
No PMI · Every Detail
Mornings that feel like a reward.
Desert luxury pool patio with glowing fire bowl and mountain backdrop at twilight
Second Home · 95% Financing
Evenings worth coming home to.
Dramatic luxury entryway with floating walnut console, backlit sculptural wall art and marble floors
Interior Design · 2026
First impressions that stay with you.
The Program

One comprehensive solution.
Built around your career.

A single, elegantly structured program covering your primary residence, second home, and refinance — all without private mortgage insurance.

Medical Professional Mortgage

Complete Program Overview

Primary & Secondary Residences · Purchase or Refinance
  • Loans up to $2,000,000
  • 0% down payment up to $1,250,000 (primary)
  • 95% financing on a second home up to $1,250,000
  • No private mortgage insurance
  • Employment contract accepted at closing
  • Residents, fellows & new attendings eligible
  • Flexible credit underwriting
  • Refinance options available
  • Single-family & warrantable PUDs/Condos
  • Available in AZ, CA, CO, FL, HI, ID, KS, MO, NV, NM, OR, TX & WA
Included Benefit

Private Banking Access

Every medical professional mortgage includes a personal introduction to Sunflower Bank's Private Banking team — specialists who work exclusively with high-earning professionals to architect their broader financial strategy.

Investment planning. Wealth management. A relationship-based approach to your financial future — complimentary with your mortgage.

Why This Program

Financing that respects
your professional journey.

Traditional lending was not designed with medical professionals in mind. This program was.

I
No Private Mortgage Insurance
Eliminate the monthly PMI cost that conventional borrowers pay indefinitely when financing more than 80% of a home's value. This program removes that obligation entirely.
II
Jumbo Loan Limits
Finance up to $2,000,000 — well beyond conforming limits — so the scope of your home reflects the scope of your career, not the constraints of conventional programs.
III
Early-Career Flexibility
Employment contracts and signed offer letters are accepted in lieu of years of income history. Residents, fellows, and newly-matched physicians are fully eligible to apply.
IV
Primary & Second Home Coverage
Finance a primary residence with 0% down, or a second home with up to 95% financing — both under a single, unified program, and both without mortgage insurance.

Loan Scenarios

A sample of what this program makes possible.

Primary Residence · 100% Financing
$1,250,000
0% down payment · No PMI required
Signature Advantage
Second Home · 95% Financing
$1,250,000
5% minimum down · No PMI
Refinance
Available
Primary or second home · flexible underwriting
Eligibility

Reserved for the medical community.

This program is available exclusively to licensed medical professionals and those enrolled in active residency, fellowship, or internship programs. An active employment contract or written verification of accepted employment terms is required at closing.

Medical Doctor
MD
Doctor of Osteopathy
DO
Doctor of Dental Surgery
DDS
Doctor of Dental Medicine
DMD
Doctor of Ophthalmology
MD or DO
Doctor of Psychiatry
MD or DO
Doctor of Pharmacy
PharmD
Doctor of Veterinary Medicine
VMD / DVM
Doctor of Podiatric Medicine
DPM
Certified Registered Nurse Anesthetist
CRNA
Physician's Assistant
PA
Nurse Practitioner
NP
Medical Resident, Fellow or Intern
Holding eligible degree
A note on employment: Early-career professionals — including residents, fellows, and newly-matched physicians — are welcome and encouraged to apply. An active employment contract or written verification of accepted employment terms is required. Years of income history are not required.
Service Area
13 States Where This Program Is Available

Wherever your
career takes you.

This program is currently available in the following states. Whether you are purchasing near your hospital, relocating for a new position, or refinancing, we are here to guide you.

Program Eligible States
AZ CA CO FL HI ID KS MO NV NM OR TX WA
Your Team

Two experts.
One seamless experience.

From your first inquiry through the day you receive your keys, Sia and Ryan guide every step — coordinating mortgage and real estate in complete alignment.

Sia Klaibua
Mortgage Loan Originator · Sunflower Bank
Sia Klaibua
NMLS# 2823225 · Sunflower Bank NMLS# 709491 · Member FDIC
Sia specializes in structuring home financing for medical professionals — from residents navigating their first purchase to established physicians ready to invest in the home their career has earned. Licensed in 43 states; this program is available in 13 states.
Phone 650.660.9741
Email Sia.Klaibua@SunflowerBank.com
Web SunflowerBank.com/SiaKlaibua
Office 16430 N Scottsdale Rd, Ste 120 · Scottsdale, AZ 85254
Ryan Moxley
Real Estate Agent · My Home Group · Arizona
Ryan Moxley
License #SA6438720005 · Licensed in Arizona
Ryan brings deep expertise in the Arizona real estate market, helping medical professionals identify and secure the right property — whether relocating for a new position, upgrading to a home that matches their career milestone, or investing in a second residence.
Phone 480.227.9143
Email Moxleysellsaz@gmail.com
Brokerage My Home Group · Scottsdale, Arizona
Begin the Conversation

Ready to explore
your eligibility?

Discovering what you qualify for takes only a few minutes. Complete the form and one of us will respond within one business day — or reach out directly below.

Sia Klaibua
Mortgage Loan Originator · Sunflower Bank
650.660.9741 Sia.Klaibua@SunflowerBank.com
Ryan Moxley
Real Estate Agent · My Home Group · Arizona
480.227.9143 Moxleysellsaz@gmail.com
Program Disclosures & Important Information ▼