Good Samaritan Regional Medical Center is Benton County’s sole hospital — a position that makes its physician community both essential to the region’s healthcare infrastructure and particularly important to understand as a mortgage market. Founded in 1913, now operating as a 188-bed teaching hospital at 3600 NW Samaritan Drive on an 84-acre campus in North Corvallis, Good Samaritan is the flagship institution of Samaritan Health Services, a five-hospital nonprofit system headquartered in Corvallis that employs nearly 7,000 people and serves Benton, Lincoln, and Linn counties.
Good Samaritan Regional Medical Center operates a Level II trauma center — the only acute care Level II facility in Benton County — and serves Linn, Benton, and Lincoln counties. Its teaching hospital designation is significant: the hospital operates residency and fellowship programs in dermatology, family medicine, internal medicine, psychiatry, child and adolescent psychiatry, general surgery, orthopedic surgery, and cardiology, in addition to residency training in psychology, pharmacy, and sports physical therapy. It maintains a partnership with Western University of Health Sciences’ College of Osteopathic Medicine of the Pacific, Northwest (COMP-NorthWest) — the first Oregon medical school to open in more than 100 years. In 2020, Healthgrades awarded Good Samaritan the Outstanding Patient Experience Award. The American Heart Association has given the hospital its Stroke Gold Plus Quality Achievement and Target: Stroke Honor Roll Elite Award in both 2023 and 2024. The hospital’s entire cardiac and cancer care programs have been expanded and enhanced in recent years, reflecting Samaritan’s capital investment in Corvallis’s clinical capabilities.
Samaritan Health Services is currently affiliating with MultiCare Health System of Tacoma, Washington — an affiliation approved by both organizations’ boards in October 2025, with a formal affiliation agreement signed in December 2025 and regulatory review by the Oregon Health Authority underway. The affiliation is expected to close in spring or summer 2026. As part of the affiliation, MultiCare has committed to invest in Samaritan’s facilities over the next 10 years, with specific plans to expand Good Samaritan Regional Medical Center by adding inpatient capacity — a commitment that reflects MultiCare’s confidence in the Corvallis market and Samaritan’s long-term clinical role. For physicians considering Good Samaritan positions, this context represents institutional investment and stability, not uncertainty.
The Corvallis physician home purchase is shaped by a dynamic unique to university towns: the physician’s household may be OSU-adjacent in important ways. A Good Samaritan cardiologist married to an OSU biology professor brings two income streams with very different documentation profiles — hospital employment plus academic salary and PERS contributions — that require combined analysis. We document this dual-income academic-physician household as a standard Corvallis scenario because it occurs with genuine regularity in a city where the university and the hospital are the two dominant professional employers.
No Private Mortgage Insurance
Physician mortgage loans eliminate PMI even with down payments below 20%. For a Good Samaritan physician purchasing a $650,000 South Corvallis home with 10% down, eliminating PMI saves several hundred dollars monthly compared to conventional financing.
Student Debt Treatment
Standard underwriting counts the full student loan monthly payment against debt-to-income. Physician programs use income-based repayment amounts or, for loans in deferment, may exclude the payment entirely. For newly graduated physicians or recent fellowship completers who carry six-figure student loan balances, this treatment is often the qualification difference at Corvallis's price tier.
Offer Letter Qualification
Physicians relocating to Corvallis for a Good Samaritan Regional Medical Center position — from OHSU residency programs, from other Oregon or Washington health systems, or from programs elsewhere in the country — can qualify using a signed employment contract or offer letter, with closing within 90 days of the employment start date.
Physician Jumbo Access
For Good Samaritan subspecialists purchasing in Witham Hill or the city's other premium neighborhoods at loan amounts above the $832,750 Benton County conforming limit, our physician jumbo programs provide no-PMI financing at higher loan amounts.
Down Payment Flexibility
Physician programs allow 0% to 10% down. For physicians arriving in Corvallis without prior Oregon home equity — particularly out-of-state recruits coming directly from residency or fellowship — cash preservation at Corvallis's price points is a meaningful and financially supported choice.
Physician-Academic Dual-Income Household Programs
For Corvallis households combining a Good Samaritan physician income with an OSU faculty income — one of the most distinctively Corvallis dual-income profiles — we document both income streams together, including the physician's hospital compensation and the faculty partner's W-2, PERS treatment, and any research supplement income.
MD — Doctor of Medicine
DO — Doctor of Osteopathic Medicine
DDS / DMD — Dentist
DVM — Doctor of Veterinary Medicine (Corvallis is home to OSU's College of Veterinary Medicine)
OD — Doctor of Optometry
DPM — Doctor of Podiatric Medicine
PharmD — Doctor of Pharmacy (Good Samaritan's pharmacy residency program eligible)
PA-C — Physician Assistant — Certified
APRN — Advanced Practice Registered Nurse
Residents and fellows in Good Samaritan's accredited training programs
For Good Samaritan physicians purchasing in Corvallis’s established neighborhoods — North Corvallis near the hospital, Northeast Corvallis, and mid-tier South Corvallis — within the Benton County conforming limit. No PMI, student debt accommodation, and offer letter qualification.
For Good Samaritan subspecialists, surgeons, and senior physicians purchasing in Witham Hill, premium South Corvallis, or the rural west hills corridor at loan amounts above the conforming limit. Combines no-PMI physician loan features with higher loan amounts.
For Corvallis households combining a Good Samaritan physician income with an OSU faculty income, we document both income streams together — hospital employment compensation plus academic salary and PERS contribution analysis — to build the strongest combined qualifying picture for Corvallis’s premium neighborhoods.
For DVM physicians at OSU’s Carlson College of Veterinary Medicine — one of only 33 AVMA-accredited veterinary medical colleges in the United States — our physician programs extend to veterinary physicians who are eligible for no-PMI, student debt accommodation, and offer letter qualification.
For Good Samaritan physicians who want to build in North Corvallis, on a Witham Hill lot, or on a private Benton County parcel rather than compete for Corvallis’s extremely limited new construction inventory inside city limits. Our physician One-Time Close program combines no-PMI physician features with construction financing in a single transaction.
Good Samaritan Regional Medical Center offer letter qualification for recruits from OHSU, Washington systems, and national programs
Samaritan/MultiCare affiliation context — we help every Good Samaritan physician understand the employment and documentation implications of the affiliation during the transition period
Physician-academic dual-income documentation — Good Samaritan hospital salary plus OSU faculty income and PERS documented together
OSU Veterinary Medicine physician program coverage
COMP-NorthWest DO graduate and trainee eligibility
Student debt analysis — IBR, standard, and deferment scenarios applied specifically to each borrower
Physician jumbo for Witham Hill and premium South Corvallis upper-tier purchases
Ryan Lehrman, NMLS #235295
License/Training Status: Active MD, DO, DDS, DMD, DVM, OD, DPM, PharmD, PA-C, or APRN license, or current enrollment in an accredited training program
Employment: Signed employment contract, offer letter, or documented income from established practice; Good Samaritan physicians qualify via standard income or offer letter
Credit: Minimum credit score typically 700; programs available for physicians earlier in their credit history
Property: Primary residence only; single-family homes, condominiums, and townhomes throughout Corvallis and Benton County
Yes. Our physician programs allow qualification on a signed Good Samaritan or Samaritan Health Services employment contract, with closing required within 90 days of the employment start date. Cardiologists, general surgeons, orthopedic surgeons, internal medicine physicians, and hospitalists joining Good Samaritan from OHSU, from Oregon State-affiliated programs, or from out-of-state residencies and fellowships can purchase in Corvallis — in North Corvallis near the hospital, South Corvallis near campus, or Witham Hill — concurrent with starting their clinical position.
No. During the regulatory review period and through the integration process, Good Samaritan physicians continue to be employed under their existing Samaritan Health Services employment agreements. The affiliation does not change the employer of record or the terms of existing employment contracts during the transition. For physicians joining Good Samaritan as the affiliation progresses, the signed employment contract with Samaritan Health Services is the qualifying document. Once the affiliation closes and integration is complete, MultiCare-affiliated contracts will be documentable in the same way.
Yes. DVM physicians at OSU's Carlson College of Veterinary Medicine are eligible for our physician mortgage programs. Corvallis is distinctive as the home of one of only 33 AVMA-accredited veterinary medical schools in the United States, and OSU's DVM faculty and clinical staff represent a specific Corvallis physician buyer demographic that our programs serve. No-PMI financing, student debt accommodation, and offer letter qualification all apply to DVM professionals.
Ready to finance your Corvallis home with a program designed for your career? Let’s talk through your situation.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
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