Park City is a natural destination for high-earning healthcare professionals — a world-class mountain resort with a walkable historic core, easy proximity to Salt Lake City’s medical employment centers, and a quality of life that few Utah communities can match. Physicians, dentists, and other healthcare professionals working at Intermountain Health facilities across the Wasatch Front, the University of Utah Health system in Salt Lake City, and in private practice throughout Summit and Wasatch counties choose Park City for exactly this combination of lifestyle, access, and community.
The challenge is that Park City’s price points — with even modest properties approaching or exceeding $1 million — create real financing hurdles for physicians early in their careers. High student loan balances, a new employment contract, and a down payment that would otherwise require years of accumulation can make the path to
homeownership look longer than it needs to be. Physician Mortgage programs are designed specifically for this borrower profile. I work with healthcare professionals navigating Park City’s luxury market using programs that reflect how physicians actually earn and borrow — not how a standard underwriting model treats them.
No PMI regardless of down payment. Physician programs eliminate private mortgage insurance even at 0-10% down — a meaningful savings on a $1.5 million or $2 million Park City purchase where PMI would otherwise represent a significant monthly cost.
Student loan treatment that reflects real payments. Standard underwriting counts medical school debt at 1% of the balance per month even if the actual payment is deferred or income-based. Physician programs use actual IBR/PAYE payment amounts — which can dramatically improve qualifying debt-to-income ratio and open up Park City properties that would otherwise be out of reach.
New employment contracts accepted. A physician starting a new position has income — even if the first paycheck hasn't arrived. Physician loan programs allow qualification based on an executed contract, which is essential for residents finishing fellowship and relocating to the Salt Lake Valley.
Flexibility on debt-to-income ratios. Physicians often carry more debt than standard programs accommodate. Physician loan underwriting allows for higher DTI ceilings given the earning trajectory and employment stability of the borrower profile.
Jumbo-level physician programs available. Summit County's conforming limit is $1,149,825, but many properties physicians target in Park City price 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 in a single program.
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 Summit County's $1,149,825 conforming limit
Physician program terms extended to loan amounts above $1,149,825
Covers Old Town, Deer Valley-area, and Canyons Village properties above the conforming ceiling
No PMI maintained at Jumbo loan amounts for qualifying borrowers
Physician terms applied to new construction financing in Promontory, Tuhaye, and throughout Summit 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
Knowledge of Summit County's property landscape and the price tier where physician buyers typically purchase
Physician Jumbo programs for buyers whose target properties exceed the conforming limit
Guidance on new employment contract qualification for physicians relocating to the Wasatch Front
Familiarity with the healthcare employment geography — Intermountain Health, University of Utah Health, and private practice throughout Salt Lake and Summit counties
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. Specific designation eligibility varies by lender.
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.
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 Park City home with confidence.
Yes. Physician programs accept residents and fellows in training programs — qualification is based on your executed residency or fellowship contract, not attending-level income. This is one of the most valuable features of physician lending for early-career physicians.
Yes. Many properties physicians target in Park City — in Old Town, Deer Valley, or the Canyons area — are priced above Summit County's $1,149,825 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.
Physician programs are designed for primary residences. If you're purchasing a Park City property as a second home while maintaining a primary residence elsewhere, I can identify the appropriate financing structure for that scenario separately.
Ready to finance your Park City 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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