CrossCountry Mortgage

Physician Mortgage Built for Medical Professionals with Complex Finances 

CrossCountry Mortgage offers a true physician loan program designed for doctors, dentists, veterinarians, and trainees who want to buy or refinance without delaying life or over-liquidating assets.

Unlike traditional lenders, our physician program is built around the realities of medical careers—high student loan balances, variable income structures, and early-career transitions—while still offering competitive pricing and flexibility.

Loan Officers

Molly Barndt (NMLS #2236749)

STATES:  AL, AK, AZ, AR, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NM, ND, OK, SD, TN, TX, UT, VT, WA, WV, WI, WY, DC
EMAIL:  [email protected]
PHONE:  715-292-0760

David Fay (NMLS #513224)

STATES:  CT, MA, NH, NJ, NC, PA, RI, SC, VA
EMAIL:  [email protected]
PHONE:  617-429-2059

Jeff Baker (NMLS #147296)

STATES:  CA, CO, NY, OR
EMAIL:  [email protected]
PHONE:  872-313-5551

Garrett Bevelander (NMLS #448700)

STATES:  OH
EMAIL:  [email protected]
PHONE:  614-989-2718

Terms

  • Up to 100% financing to $2,000,000 and 89.99% financing to $5,000,000
  • No mortgage insurance
  • No restrictions on years in practice
  • Primary residence purchases and rate/term refinances
  • 7-, 10-, and 15-year ARMs plus 15- and 30-year fixed options
  • No prepayment penalties

Professions

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

Strengths

Flexible underwriting supports:

  • Future employment contracts (including residents and fellows)
  • 1099 and contract income
  • Gift funds
  • Non-occupying co-borrowers
  • More accommodating student loan treatment than conventional financing

As a member of the White Coat Investor community, you also receive Preferred Mortgage Savings, including waived lender and appraisal fees—up to $2,198 in savings.

Ready to run the numbers?

Medical professionals tend to be “on call”, and your mortgage lender should be too. CrossCountry Mortgage is licensed in all 50 states. With dedicated loan officers who specialize in physician lending, contact the loan officer for your state to review your options and apply online.

Disclaimer

Disclaimer