PeaceHealth Sacred Heart Medical Center at RiverBend is not merely Lane County’s largest hospital — it is the only Level II trauma center between Corvallis and San Francisco. The 388-bed facility at 3333 RiverBend Drive in Springfield serves an eight-county region covering Lane, Linn, Douglas, Coos, Curry, Josephine, Jackson, and Klamath counties, functioning as the tertiary referral center for all of southern and coastal Oregon. Its campus houses the Oregon Heart & Vascular Institute — one of the busiest and most respected cardiovascular centers in the Pacific Northwest, having completed over 500 Transcatheter Aortic Valve Replacement (TAVR) procedures — and the Oregon Neurosciences Institute, which delivers comprehensive stroke, neurosurgery, and neurorehabilitation services. PeaceHealth Sacred Heart Medical Center is additionally the only hospital outside the Portland area to offer pediatric surgery.
PeaceHealth Corp is Lane County’s largest employer with over 5,347 employees and maintains additional clinical facilities at the PeaceHealth Sacred Heart Medical Center at the University District in Eugene, as well as outpatient locations in Cottage Grove, Florence, and throughout the region. The physician recruitment pipeline that flows from this institutional base creates a consistent and well-defined homebuying market: subspecialty physicians recruited to staff the Oregon Heart & Vascular Institute and Oregon Neurosciences Institute; hospitalists joining RiverBend’s Level II trauma service; surgical specialists drawn by the hospital’s only-in-the-region pediatric surgery capability; and primary care physicians establishing practices across the PeaceHealth Eugene-Springfield network. These physicians are purchasing homes in Eugene’s upper-tier neighborhoods — North Gilham, Fairmount, South Hills, and College Hill — with student debt, offer letters, and income profiles that conventional lenders frequently mishandle.
Eugene’s UO affiliation adds another physician dimension. The University of Oregon hosts affiliated clinical faculty with dual appointments — UO faculty who also hold clinical privileges at PeaceHealth facilities — and whose income documentation combines academic salary, ORP contributions, and clinical compensation in ways that require a lender with genuine income analysis capacity. Our physician mortgage programs serve all of these profiles, from the newly matched hospitalist arriving from residency to the established cardiovascular surgeon making a lateral career move to RiverBend from a larger metropolitan system.
No Private Mortgage Insurance
Physician mortgage loans eliminate PMI even with down payments below 20%. For a Eugene physician purchasing a $650,000 home in North Gilham with 10% down, the PMI savings can exceed $300 per month compared to conventional financing — a meaningful and immediate financial benefit.
Student Debt Treatment
Standard underwriting counts the full student loan monthly payment in debt-to-income calculations. Our physician programs use income-based repayment amounts or, for loans in deferment, may exclude the payment entirely. For PeaceHealth recruits arriving from residency with six-figure student loan balances, this distinction frequently determines whether a purchase is possible at all at Eugene's upper-tier price points.
Offer Letter Qualification
Physicians relocating to Eugene to join PeaceHealth RiverBend's medical staff — whether from residency programs elsewhere in Oregon, from Portland, or from out of state — can qualify using a signed employment contract or offer letter rather than historical pay stubs, provided closing occurs within 90 days of the employment start date. This is how we help newly recruited attending physicians own their home before their first shift.
No-PMI Jumbo Access
PeaceHealth RiverBend's physician recruitment draws specialists whose target neighborhoods — North Gilham ($634,500 median), Fairmount, and South Hills custom estates — often require loan amounts above the $832,750 Lane County conforming limit. Our physician jumbo programs provide no-PMI financing at these higher amounts without the reserve and documentation requirements of traditional jumbo underwriting.
Down Payment Flexibility
Physician programs allow 0% to 10% down depending on loan amount and program tier. For physicians managing student loan repayment, relocation costs, malpractice coverage, and DEA registration fees, preserving cash while purchasing in Eugene's competitive neighborhoods is a sound financial strategy.
Lane County Regional Expertise
PeaceHealth RiverBend serves an eight-county service region. Physicians recruited to subspecialties there are often choosing Eugene or Springfield as their home base for a career — not a transitional posting. We help these physicians make informed financing decisions that reflect Eugene's long-term market dynamics, their career income trajectory, and their personal financial goals.
MD — Doctor of Medicine
DO — Doctor of Osteopathic Medicine
DDS / DMD — Dentist (OHSU School of Dentistry admits 75 DMD students per year)
DVM — Doctor of Veterinary Medicine
OD — Doctor of Optometry
DPM — Doctor of Podiatric Medicine
PharmD — Doctor of Pharmacy
PA-C — Physician Assistant — Certified (OHSU PA program ranked 21st nationally as of January 2026)
APRN — Advanced Practice Registered Nurse
Residents and fellows in accredited Lane County and Oregon-region training programs
For PeaceHealth physicians and UO-affiliated clinical faculty purchasing in Eugene’s established neighborhoods — Cal Young, Southeast Eugene, South University, and the corridors near the UO campus — within the Lane County conforming limit. No PMI, student debt accommodation, and offer letter qualification.
For PeaceHealth RiverBend subspecialists, cardiovascular and neurosciences physicians, and senior clinical faculty purchasing in North Gilham, Fairmount, College Hill, or South Hills custom estates above the $832,750 limit. Combines no-PMI physician loan features with higher loan amounts.
For Eugene physicians commissioning custom builds in the South Hills or on rural Lane County parcels — rather than competing for the limited inventory in Eugene’s most desirable established neighborhoods — our One-Time Close Construction physician program funds the build and converts to a permanent mortgage in a single closing.
Deep familiarity with PeaceHealth RiverBend's recruitment structure and the physician borrower profiles it produces
Offer letter qualification for physicians joining PeaceHealth from out of state, from Portland, or from other Oregon training programs
Student debt analysis specific to each borrower — we calculate the impact and document it correctly under physician program guidelines
Physician jumbo programs for Eugene's upper-tier neighborhoods above the conforming limit
UO clinical faculty income analysis — academic salary, ORP, and clinical production income handled together
Available evenings and weekends to work around PeaceHealth physician scheduling demands
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; clinical faculty with dual UO and PeaceHealth appointments qualify via analysis of combined compensation
Credit: Minimum credit score typically 700; programs available for physicians with shorter credit histories
Property: Primary residence only; single-family homes, condominiums, and townhomes in Eugene, Springfield, and Lane County
Career-stage and employment assessment — We identify whether you're newly recruited to PeaceHealth, an established specialist, or a UO clinical faculty member with dual appointment, and build the documentation structure accordingly.
Student debt analysis — We calculate your loans' effect on debt-to-income under multiple documentation scenarios — IBR, standard payment, or deferment exclusion — and use the approach that most accurately reflects your qualification capacity.
Neighborhood and loan amount planning — We walk through Eugene's upper-tier price tiers and identify whether your target neighborhood requires standard physician loan limits or physician jumbo financing.
Application and underwriting — We manage the full application, coordinating appraisal, employment verification, and any PeaceHealth-specific documentation requirements.
Closing — We coordinate around your clinical schedule and your PeaceHealth start date to deliver a close that works for your timeline.
Yes. Our physician loan programs allow qualification based on a signed employment contract or offer letter from PeaceHealth or any accredited medical employer, with closing required within 90 days of the employment start date. For subspecialists recruited to the Oregon Heart & Vascular Institute, the Oregon Neurosciences Institute, or RiverBend's Level II trauma service who are relocating from another state or from a Portland-area program, this means they can close on their Eugene or Springfield home concurrently with starting their position — without waiting for a first paycheck.
Yes. Our physician programs apply based on the borrower's license and employment, not the city of purchase. Physicians employed at PeaceHealth Sacred Heart Medical Center at RiverBend in Springfield frequently choose to purchase in Eugene's established neighborhoods for school access, the UO's cultural ecosystem, and neighborhood character — and our physician programs apply fully to purchases throughout Lane County.
Cardiovascular physicians at the Oregon Heart & Vascular Institute typically earn a combination of PeaceHealth base salary and RVU-based production compensation. When both components are documented and the production income has been consistent for at least one year, the full compensation package is generally includable in jumbo physician qualification. For physicians new to the practice who have signed a compensation guarantee agreement, we structure documentation around the guaranteed floor and analyze how the production component will be incorporated as history develops.
Ready to finance your Eugene 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.
Who we are
Our website address is: https://loansbylehrman.com/
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