Sandi Frith, Alliant — Best Physician Mortgage
Dr. Home Finance
TLDR
Nevada offers strong opportunities for physicians, but choosing the right lender and loan structure is critical to making a smart homebuying decision.
Physician mortgage loans provide key advantages like 0% down payment options, no PMI, and flexibility that aligns with a doctor’s career stage and financial profile.
Markets like Las Vegas and Reno can vary in competitiveness, making it important to approach your purchase with a strategy focused on liquidity, timing, and long-term goals.
Working with experienced physician mortgage lenders ensures your loan is structured properly, helping you avoid common pitfalls and make confident decisions.
Connect with a physician mortgage specialist at Alliant to get started
Sandi Frith (NMLS 564023) doesn't mess around when it comes to physician mortgages. With more than 30 years in lending and over $4 billion in funded residential loans, she's been recognized among the nation's Top Women Originators — and she works with physicians nationwide through Alliant Credit Union. "Physicians don't need to become mortgage experts — that's supposed to be my job."
Who Sandi Frith works with
Sandi is licensed in 49 states and Washington, D.C., working with residents, fellows, and attendings across a broad range of designations (MD, DO, DDS, DMD, DPM, DVM, PharmD, CRNA, NP, PA) — including emergency-medicine physicians and anesthesiologists whose shift, RVU, and locum income can be more complex to document.
Not every doctor loan is a physician mortgage
A physician once came to Sandi with what a Realtor-referred lender called a "physician loan" — actually two mortgages, the second at a much higher rate with interest-only payments, structured just to avoid PMI. Sandi walked the borrower through both, then offered a true physician mortgage with no PMI and no complicated second. Her questions to ask any lender: Is this one loan or two? Is PMI required? How are student loans evaluated? Can a contract be used before you start? What's the total cost — not just the rate? "A great rate on a loan that doesn't close isn't a great rate."
Don't diagnose your own mortgage
"Don't diagnose your own mortgage — let me look at the entire picture first." Sandi regularly meets physicians who assume student debt, thin savings, or a not-yet-started job disqualifies them. A true physician mortgage is a portfolio loan with specialized underwriting — qualified physicians can buy with little or no money down, no PMI, and qualify on a signed contract before the job begins. She likes to start three to six months out, and has one standing request: "Please don't open a new credit card, finance furniture, or buy a car mid-process. The furniture will still be there after closing."
The Alliant Credit Union doctor loan
Alliant publicly offers a doctor loan built for medical professionals:
0% down payment option with no mortgage insurance
Specialized underwriting for student loans and future/contract income
Financing for medical professionals, construction loans, and luxury homes
A near-nationwide footprint — 49 states and D.C. (all except Maryland)
Why work with a specialist
Sandi is a believer in physician mortgages but won't push one just because you're a physician — if conventional or jumbo saves you money, that's her recommendation. "You spent years becoming a specialist in your field. You deserve a mortgage professional who did the same." For the fundamentals, see our guide to how physician mortgages work.
States Sandi Frith serves
Alaska · Alabama · Arkansas · Arizona · California · Colorado · Connecticut · Washington, D.C. · Delaware · Florida · Georgia · Hawaii · Iowa · Idaho · Illinois · Indiana · Kansas · Kentucky · Louisiana · Massachusetts · Maine · Michigan · Minnesota · Missouri · Mississippi · Montana · North Carolina · North Dakota · Nebraska · New Hampshire · New Jersey · New Mexico · Nevada · New York · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Virginia · Vermont · Washington · Wisconsin · West Virginia · Wyoming
Get connected with Sandi Frith
Buying a home anywhere in the U.S.? Get matched and Dr. Home Finance will connect you with Sandi.
Frequently Asked Questions
Where is Sandi Frith licensed?
Sandi Frith is licensed to serve physician borrowers in 49 states and Washington, D.C. through Alliant Credit Union.
What does the Alliant Credit Union doctor loan offer?
Alliant publicly offers a doctor loan for medical professionals that includes a 0% down payment option with no mortgage insurance. Specific terms vary by borrower and are confirmed with the lender.
Does every physician need a physician mortgage?
No. Sandi is clear that not every physician needs one: "My job isn't to sell someone a physician loan. My job is to compare the options and tell them which one makes the most sense." If conventional financing saves the client money, that's what she recommends.
Dr. Home Finance is an educational and lender-matching resource and is not a mortgage lender. Loan programs, rates, and terms vary by borrower, bank, and state and are subject to change. Nothing here is an offer to lend.
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