St. John’s Health — the Teton County Hospital District’s anchor facility — employs 115 physicians across 42 specialty areas and holds an Area Trauma Hospital designation from the Wyoming Department of Health, the second-highest trauma designation in Wyoming’s four-tier system. The hospital’s 11-bed Emergency Department handles close to 10,000 patient visits per year, with pronounced seasonal surges driven by more than three million annual visitors to Grand Teton National Park, Yellowstone, and Jackson Hole Mountain Resort. Physicians recruited here aren’t coming to a rural critical-access facility — they’re joining a specialized medical community in one of the most demanding and distinctive practice environments in the American West.
What they’re also walking into is a housing market where the Teton County median single-family price exceeds $3.5 million and even entry-level properties — workforce condos and smaller town homes — start above $500,000. Physician mortgage programs that work in most markets are necessary in Jackson, but they also need to scale: Jumbo physician loan options are essential here, not a bonus feature.
Ryan Lehrman, NMLS #235295, structures physician loans specifically for the Jackson market — with Jumbo configurations, student loan accommodation, and programs that accept employment offer letters so physicians can close before their first day of practice.
No Private Mortgage Insurance (PMI).Physician loans eliminate PMI even with down payments below 20% — a significant monthly savings on properties priced well into Jumbo territory.
Student Loan Debt Treatment. Medical school debt is calculated favorably, not as a full monthly obligation in standard DTI calculations. Income-driven repayment plan balances may be excluded entirely on qualifying programs.
Employment Offer Letters Accepted. Physicians don't need two years of employment history in their current role. A signed offer letter or contract from St. John's Health is sufficient for most physician loan programs.
Jumbo Loan Amounts. Jackson's market requires it. Physician Jumbo programs are available for loan amounts well above the $1,249,125 Teton County high-balance conforming limit.
Residency and Fellowship Eligible. Residents and fellows at affiliated training programs are eligible, even with current trainee income levels.
MD
DO
DDS
DMD
DVM
OD
DPM
PharmD
PA-C
APRN
Residents and Fellows with signed employment contracts
For physicians purchasing below the Teton County $1,249,125 high-balance conforming limit. Available with minimal down payment and no PMI for eligible professionals with verified income or offer letters.
For the majority of Jackson purchases, which require loan amounts above the conforming limit. Full Jumbo physician programs with no PMI, student loan accommodation, and competitive rates for attending physicians and fellows with confirmed positions.
For physicians who want to build on a Porter Ranch lot or other Teton County parcel rather than compete in a thin resale market. One close, one rate, one set of costs — before construction begins. Particularly valuable for physicians with a confirmed start date and a longer build timeline.
Physician Jumbo programs scaled to Jackson's actual price reality, not the national average
Student loan debt handled correctly from day one — no surprises in underwriting
Employment offer letters accepted; no waiting period required
Residents and fellows eligible with confirmed contracts
Responsive, direct communication — Ryan handles your file personally
Experience with St. John's Health's recruiter and HR timeline so your mortgage close aligns with your start date
NMLS #235295
Professional Designation: MD, DO, DDS, DMD, DVM, OD, DPM, PharmD, PA-C, APRN; residents and fellows with signed employment contracts
Income Documentation: Offer letter or current pay stubs accepted; two-year employment history not required
Student Loan Debt: Excluded or calculated at reduced rate depending on repayment plan and program
Credit: Typically 700+ for standard programs; residents with shorter credit histories accommodated on select programs
Consultation — Review your employment timeline, start date, student loan structure, and target property range to identify the right program.
Documentation — Gather offer letter or employment contract, license documentation, and asset and credit information. Straightforward for most physicians.
Pre-approval — Full underwriting review. Jackson properties move on competitive timelines; pre-approval — not pre-qualification — is required.
Property Search and Offer — With pre-approval in hand, your agent can submit with confidence. We coordinate with listing agents on timeline and closing requirements.
Close — Typically 30–45 days from accepted offer. We coordinate timing with your relocation and start date.
Yes. Residents and fellows with a signed employment contract or offer letter from St. John's Health or an affiliated program are eligible for physician mortgage programs. Current trainee income is acceptable; the future attending salary is factored into qualification on most programs. Down payment requirements may differ from attending physician programs.
Yes, and they're essential. With the Teton County median above $3.5M and even entry properties starting well above $500,000, standard conforming physician programs don't reach the market. Physician Jumbo programs accommodate the loan sizes Jackson requires, with the same favorable student loan treatment and no PMI that make physician loans valuable.
This is the most common scenario for physician mortgage borrowers in Jackson. Offer letters are accepted in lieu of pay stubs for most programs, and we can structure a close date that aligns with your relocation timeline. We've done this before — the process is straightforward when documentation is organized correctly.
Ready to finance your Jackson 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.
