216-616-4332

Linkedin Facebook Youtube Instagram
Find Your Physician Loan Program
Find Your Program

216-616-4332

Facebook Twitter Youtube

Jeffrey A. Richard

Physician Mortgage Specialist – Ohio

NMLS #339836 | Branch NMLS #2544945

Based in Chicago, IL

Serving States:

  • FL
  • IL
  • OH
  • SC
Direct: (440)-759-1333
Email: jeffrey.richard@ccm.com
Address: 7200 Center Street, Suite 301, Mentor, Ohio 44060
Apply Now
Call Jeff
Email Jeff

Available Loan Types

  • Physician Mortgage Loans
  • Jumbo Loans (Up to $2M for qualified buyers)
  • Conventional Loans

Eligible Professions

  • Medical Doctors (MD / DO)
  • Dentists
  • Surgeons
  • Psychiatrists
  • Pharmacists
  • Veterinarians
  • Residents & Fellows

What Makes CrossCountry Mortgage Different?

As part of the largest retail mortgage lender network, CrossCountry Mortgage provides:
  • Zero or low down payment physician options
  • Expanded loan limits up to $2,000,000
  • Flexible underwriting for medical professionals
  • Transparent, step-by-step communication
  • White Glove service from application to closing
Jeffrey provides personalized guidance to help physicians confidently navigate the homebuying process — whether relocating to Ohio or purchasing their first attending home.

Who This Is Best For

This program is ideal for:
  • Residents buying before contract start date
  • Fellows transitioning to attending roles
  • Physicians relocating to Ohio
  • Practicing physicians seeking jumbo financing
  • Doctors with high student loan balances

Local Expertise — Mentor & Northeast Ohio

Jeffrey is based in Mentor, Ohio, serving physicians throughout:
  • Cleveland
  • Lake County
  • Cuyahoga County
  • Northeast Ohio
  • Statewide Ohio markets
For physicians relocating to the Cleveland Clinic system, University Hospitals, or other Ohio medical networks, local knowledge matters.

Why Physicians Choose Jeffrey

  • Clear communication
  • Contract-based qualification
  • Experience with high-income professionals
  • Structured process from pre-approval to closing
  • Backed by national lending strength

Prefer Sandi to Contact You?

Drop your name and phone number and I’ll have Sandi reach out to you!
DoctorLoanPrograms.com is a national physician mortgage directory helping doctors compare approved physician loan officers across the United States.

Jeffrey A. Richard Physician Mortgage Loan Officer

FAQs

Can residents qualify for a mortgage in Ohio?
Yes. Many physician loan programs allow residents and fellows to qualify using an employment contract prior to starting their attending position.
Do physician loans require PMI?
Most physician mortgage programs do not require private mortgage insurance (PMI), even with low down payments.
How much can a doctor borrow in Ohio?
Qualified physicians may borrow up to $2,000,000, depending on income, credit profile, and loan structure.
Are student loans counted against physician borrowers?
Student loans are considered, but physician loan programs often use flexible underwriting methods that make qualification easier compared to traditional loans.
Can I get a zero down payment physician loan?
Yes. Many physician mortgage options offer zero or low down payment financing for eligible medical professionals.

Alliant Credit Union

Program is available in the following states : AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
Disclaimer: Program features are subject to change. Please check with your loan specialist for the most up to date product information.

TERMS:

  • No PMI
  • Closing available 90 days before employment starts
  • Minimum FICO score of 700 to qualify
  • Maximum debt to income ratio 45%
  • Medical Professionals may borrow 100% up to $1,250,000, 95% financing up to $1,500,000, and 90% financing up to $2,000,000
  • Most lenders require that you have completed training within the last 10 years, Alliant Credit Union has no such limit
  • Conforming & Non-Conforming
  • Fixed & Adjustable Rate
  • 30- & 15- Year Fixed, 5/6, 7/6, 10/6 ARMs

PROFESSIONS:

MD, DO, DDS, DMD, Resident, Fellows, DVM, DPM

STRENGTHS:

  • Student Loan Debt omitted in qualifying ratios if deferred at least 12 months
  • Ability to use income based repayment schedule if not deferred for 12 months
  • No limit on time elapsed since the completion of training
  • Financing available for single family, condos, and two family owner occupied residences
  • Warrantable and non-warrantable condos allowed
  • Available to US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, and Foreign Nationals
  • For other professionals we have Our First Time Homebuyers program with up to 100% financing available with no PMI

The loan officer listed here specialize in working with doctors. They are battle tested, seasoned, and recommended by your peers.

Sandi Frith (NMLS# 564023)
586-871-8002
sfrith@alliantcreditunion.com

Do you want Sandi to contact you?
I’ve made it real easy. Drop your name and phone number in the form below and I’ll let them know that you would like more information.
By contacting you certify that you are a medical professional or the spouse of one.
Disclaimer
Alliant Credit Union NMLS#: 197185.
Rates, terms, and conditions are subject to change. The 5/6, 7/6 and 10/6 ARMs offer a fixed rate for the initial period of the loan and adjust to a 6-month ARM after that period. The interest rate and monthly payment may adjust bi-annually based on the 30-day average Secured Overnight Funding Rate (SOFR), plus a margin of 2.75 percentage points with a 5% lifetime cap.
Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.
Mortgages available in all states except Maryland. Loan approval, interest rate, and downpayment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions are subject to change, are subject to credit, and collateral approval.
Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio.
[GO BACK TO PHYSICIAN LOAN LIST]

Latest News

Should I wait for price drop?

The New Normal: Housing MarketExpected To Remain Strong Through 2023

2023 Match Day. Are You Ready?

A Match Day Tribute to Physician Spouses

Grants to Pay Off Student Loans

Main Menu

Doctor Mortgage Loan Program
List of Physician Lenders
Physician Loan Blog
NEW BANK?
About this Site

Part of the Physician Focused™ Network

Doctor Loan Programs™ is a division of Physician Focused™, a nationwide advisory platform serving physicians and healthcare institutions.

Across the Physician Focused™ network, the focus remains consistent:

  • Education first
  • No pressure
  • Long-term decision support

Loan officer participation supports that mission by contributing to a trusted, hospital-safe resource.

Inquire About Participation

Loan officers interested in participating in Doctor Loan Programs™ may request additional information regarding listing availability and participation standards.

Explore the Directory
For Hospital Coordinators
• A division of Physician Focused™ • Education first • No sales pressure
The Doctor Mortgage Loan Program is designed to help qualified Physicians and Dentists acquire a residential mortgage loan from participating lenders.
info@doctorloanprograms.com
216-616-4332
Linkedin Facebook Youtube Instagram

Copyright © 2025 Doctorloanprograms.com - Privacy and Terms of Use