Lehi’s explosive population growth has been matched by the expansion of its healthcare infrastructure. Intermountain Health’s Mountain Point Medical Center, opened in 2021 in northern Utah County, directly addresses the healthcare needs of one of the fastest-growing cities in the country and has created a significant new base of healthcare employment in the Lehi-Saratoga Springs corridor. Utah County’s broader medical network — encompassing Utah Valley Hospital in Provo, American Fork Hospital, and a growing base of specialty practices throughout the county — draws physicians, surgeons, and healthcare professionals who increasingly choose Lehi for its Silicon Slopes lifestyle, newer housing stock, and proximity to both mountains and the broader Wasatch Front employment corridor.
For these professionals, the barriers to homeownership are familiar: high student loan balances, a compensation structure that may include a new employment contract at Mountain Point or another Utah County facility, and properties that increasingly price above what standard loan programs handle cleanly. Physician Mortgage programs address all of this. I work with healthcare professionals purchasing in Lehi using programs designed for how physicians actually earn and borrow.
No PMI regardless of down payment. Physician programs eliminate private mortgage insurance even at 0-10% down — a meaningful savings on Lehi properties in the $600K to $1.2 million range where PMI at low down payments would otherwise be a significant ongoing cost.
Student loan treatment that reflects real payments. Standard underwriting counts medical school debt at 1% of the balance per month regardless of actual payment. Physician programs use actual IBR/PAYE payment amounts — meaningfully improving qualifying DTI and expanding what's achievable in Lehi's market.
New employment contracts accepted. A physician starting at Mountain Point Medical Center or another Utah County facility can qualify based on an executed contract, without waiting for the first paycheck. Essential for residents finishing fellowship and relocating to Utah County.
Flexibility on debt-to-income ratios. Physician loan underwriting allows for higher DTI ceilings given the earning trajectory and employment stability of the borrower profile.
Jumbo-level physician programs available. Utah County's conforming limit is $806,500, and Traverse Mountain homes, tech corridor properties, and upper-tier new construction in Lehi regularly exceed that threshold. My lender network includes physician programs that extend into Jumbo territory.
Medical doctors (MD) and doctors of osteopathic medicine (DO)
Dentists (DDS, DMD)
Veterinarians (DVM)
Optometrists (OD)
Podiatrists (DPM)
Pharmacists (PharmD) — eligible with select lenders
Physician assistants (PA-C) and nurse practitioners (APRN) — eligible with select lenders
Residents and fellows in training programs
Eligibility varies by lender. I can identify which programs accept your specific designation and match you to the best available terms.
0-5% down with no PMI for qualifying healthcare professionals
Student loan treatment based on actual IBR/PAYE payments
New employment contracts accepted — no first paycheck required
For properties at or below Washington County's $806,500 conforming limit
Physician program terms extended to loan amounts above $806,500
Covers Traverse Mountain and tech corridor Lehi properties above the conforming ceiling
No PMI maintained at Jumbo loan amounts for qualifying borrowers
Physician terms applied to new construction financing in Lehi and throughout Utah County
Single closing before construction begins; rate locked through the build
Automatic conversion to permanent financing at completion
Specialized experience with Physician Mortgage programs for buyers at all career stages
Familiarity with Mountain Point Medical Center, Utah Valley Hospital, American Fork Hospital, and the Utah County healthcare employment network
Physician Jumbo programs for buyers whose target properties exceed the conforming limit
Guidance on new employment contract qualification for physicians relocating to Lehi and Utah County
Fast, transparent approvals with direct lender relationships
20+ years of experience — NMLS #235295
Healthcare Professional Designation — MD, DO, DDS, DMD, DVM, OD, DPM, PharmD, PA-C, or APRN. Resident and fellow status accepted.
Employment Documentation — Executed employment contract, hospital credentialing letter, or current W-2/pay stubs accepted depending on career stage.
Credit Profile — Strong credit history expected (typically 700+), with flexibility for physicians whose credit file is thin due to years in training.
Student Loan Status — Student loans in deferment, forbearance, or on income-based repayment are handled under physician program guidelines.underwriting.
Pre-Qualification — Review your designation, employment status, student loans, and target property or neighborhood.
Program Selection — Identify the best Physician Mortgage program for your career stage, loan size, and property type.
Application & Underwriting — Efficient process for physician borrowers; contract-based qualification where applicable.
Approval & Closing — Typically 30-45 days for resale properties; construction timelines accommodated.
Funding — Move into your Lehi home with confidence.
Yes. Physician programs accept residents and fellows — qualification is based on your executed contract, not attending-level income. This is directly relevant for residents finishing training and relocating to Utah County to practice at Mountain Point Medical Center or affiliated facilities.
Yes. Traverse Mountain homes and upper-tier new construction in Lehi can exceed Utah County's $806,500 conforming limit. My lender network includes Physician Jumbo programs that maintain the no-PMI and student loan flexibility of physician programs at Jumbo loan sizes.
Yes. Physician programs allow qualification based on an executed employment offer letter or contract. Your start date does not need to have passed. I work with physicians in exactly this situation regularly.
Ready to finance your Lehi 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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