Ogden is home to two of Northern Utah’s most significant medical institutions — McKay-Dee Hospital, part of the Intermountain Health system and one of the region’s leading acute care facilities, and Ogden Regional Medical Center, a full-service hospital serving Weber County and the Northern Wasatch Front. Together with the University of Utah Health clinic network, IHC specialty practices, and a growing base of independent medical offices across the region, Ogden
represents a genuine hub of healthcare employment for physicians, surgeons, specialists, and other healthcare professionals.
For these professionals, Park City and Salt Lake City often get the attention. But Ogden offers a compelling alternative — real mountain access via Snowbasin and Nordic Valley, a revitalized historic downtown, and home prices that provide meaningful purchasing power relative to Salt Lake County. The challenge is standard: high student loan balances, a new employment contract, and the capital required for a down payment on a meaningful home can make the path to ownership feel longer than it needs to be. Physician Mortgage programs change that equation. I work with healthcare professionals across Weber County using programs that reflect 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 monthly savings on any Weber County purchase above a modest price point.
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 — which can dramatically improve qualifying DTI and change what's achievable in Ogden's market.
New employment contracts accepted. A physician starting at McKay-Dee or Ogden Regional can qualify based on an executed contract, without waiting for the first paycheck. This is essential for residents finishing training and relocating to Ogden.
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. Weber County's conforming limit is $806,500, and Ogden's east bench and canyon-adjacent properties can push above that threshold. My lender network includes physician programs that extend into Jumbo territory — covering both the physician-specific terms and the loan size required.
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 Weber County's $806,500 conforming limit
Physician program terms extended to loan amounts above $806,500
Covers east bench and canyon-adjacent Ogden properties above the conforming ceiling
No PMI maintained at Jumbo loan amounts for qualifying borrowers
Physician terms applied to new construction financing in Ogden and throughout Weber 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 — residents, new attendings, and established practitioners
Familiarity with the healthcare employment geography — McKay-Dee Hospital, Ogden Regional Medical Center, Intermountain Health specialty practices, and University of Utah Health clinics in the region
Physician Jumbo programs for buyers whose target properties exceed the conforming limit
Guidance on new employment contract qualification for physicians relocating to Ogden
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 — not the 1% balance calculation used in standard underwriting.underwriting.
Pre-Qualification — Review your income, assets, and target property or community.
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 Ogden home with confidence.
Yes. Physician programs accept residents and fellows — qualification is based on your executed contract, not attending-level income. This is particularly relevant for residents finishing training at Intermountain Health or University of Utah programs and relocating to Ogden.
Yes. East bench and canyon-adjacent properties in Ogden can exceed Weber 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 doesn't need to have passed. I work with physicians in exactly this situation regularly.
Ready to finance your Ogden 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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