Lehi is one of the most active new construction markets in the state of Utah — and the breadth of what’s being built here is extraordinary. Production builder communities in Holbrook Farms, Fox Hollow, and the Highway 68 corridor are delivering modern master-planned neighborhoods where fully configured homes from national and regional builders regularly challenge the conforming limit. At the upper end, Traverse Mountain’s remaining custom parcels attract Silicon Slopes executives and tech founders who commission homes specifically designed for the Utah Valley views and the elevated setting. And throughout the city’s rapidly developing western and southern corridors, new communities continue to emerge to meet the demand of one of Utah’s fastest-growing cities.
For buyers building in any of these contexts, a One-Time Close Construction Loan is the most efficient financing structure available. One closing before the build begins, one rate locked at origination, interest-only during construction, and automatic permanent loan conversion at completion. No re-application, no second closing, no risk exposure when the rate environment shifts during a 6- to 12-month build.
I offer One-Time Close Construction financing for Lehi builds at all price points — from Holbrook Farms production communities to Traverse Mountain estate builds above $3 million.
A One-Time Close Construction Loan combines three phases of financing into a single loan product:
Land or Lot Acquisition — Financing for your homesite within a Lehi new construction community or on a standalone parcel
Construction Phase — Draw-based financing released as your builder hits defined milestones throughout the build
Permanent Mortgage — Automatic conversion to your long-term home loan at completion — no second closing, no re-qualification, no additional closing costs
Unlike traditional two-close construction financing, a One-Time Close loan locks your interest rate at origination — protecting you from rate movement during the build — and eliminates the cost and administrative burden of a second closing.
Key Features:
Single closing — one set of closing costs
Rate locked at origination for the life of the loan
Interest-only payments during construction phase
Automatic conversion to permanent financing at completion
Works with all licensed Lehi and Utah County builders
Available at Jumbo and Super-Jumbo amounts for upper-tier builds
30–45 day closing timeline for qualified borrowers pre-construction
For builds in the conforming range up to $806,500
Fixed or adjustable permanent rate options
Works with all active Utah County production and semi-custom builders
Physician-friendly versions available with 0-5% down and no PMI
For builds above $806,500 — Traverse Mountain custom homes, upper-tier Holbrook Farms builds, and premium lot configurations throughout Lehi
Portfolio and non-QM options for complex income profiles, including RSU and equity compensation
Custom construction timelines accommodated
For estate-scale builds in Traverse Mountain and on large Utah County parcels
Loan amounts from $3 million and above
Rate locked at origination through the full build window
Single closing, no re-qualification at completion
Asset-based and equity-compensation income programs available
Traverse Mountain Custom Builds — Traverse Mountain sits on the elevated western foothills of the Wasatch Range above the I-15 corridor. The remaining custom parcels in this community represent Lehi's most prestigious build environment — panoramic Utah Valley views, mature community infrastructure, and proximity to both the Thanksgiving Point corridor and the Silicon Slopes campus zone. Total project costs here range from $1.5 million to well above $3 million. Jumbo and Super-Jumbo One-Time Close programs are the standard tool.
Holbrook Farms — One of Lehi's most active master-planned communities, Holbrook Farms combines production and semi-custom builder options on a landscape that preserves natural features and emphasizes outdoor living. National and regional builders here offer modern floor plans with premium upgrade packages. Fully configured homes at top-tier lots regularly approach and exceed the conforming ceiling, making Jumbo One-Time Close programs relevant for buyers who want the best available lot and finish level.
Fox Hollow and Highway 68 Corridor — Active production builder communities in this corridor are delivering modern, energy-efficient homes with strong school access and easy commutes to Silicon Slopes employment. Standard One-Time Close programs are the right fit for most buyers here, with Jumbo options for buyers who select expanded floor plans and premium lots.
Lehi's Western and Southern Growth Corridors — New communities continue to emerge throughout Lehi's development periphery. Buyers who engage a builder in a newer community benefit from One-Time Close financing that secures their rate before construction begins — particularly important when a community's build timeline may extend 8 to 12 months.
Experienced in One-Time Close Construction financing with production, semi-custom, and fully custom builders throughout Utah County
Deep familiarity with Silicon Slopes compensation structures — RSU income, equity compensation, and tech founder profiles — for Jumbo and Super-Jumbo construction programs
Physician One-Time Close programs available for healthcare professionals building in Lehi
Knowledge of Traverse Mountain's build environment, Holbrook Farms active communities, and the broader Lehi new construction landscape
Single point of contact from lot selection through move-in
20+ years of experience — NMLS #235295
Qualified Builder Required — Your builder must be licensed, insured, and approved through the loan underwriting process. National and regional builders active in Lehi and Utah County are readily approvable; custom builders require additional credentialing documentation.
Construction Plans and Budget — Production and semi-custom builder purchases use standard contracts that satisfy lender documentation requirements. Custom builds in Traverse Mountain and on standalone parcels require full plans, permits, and a detailed budget.
Strong Borrower Profile — Income, credit, and reserve requirements align with the appropriate conforming, Jumbo, or Super-Jumbo program tier depending on the build cost. RSU and equity income documentation handled appropriately for Silicon Slopes buyers.
Realistic Timeline — Production homes in Utah County typically run 6-10 months. Custom Traverse Mountain builds and estate-scale projects run 12-18 months or longer. One-Time Close programs are structured for both.
Pre-Qualification — Review your income, compensation structure, assets, builder, and site to identify the right program and loan tier.
Builder Approval — Your Utah County builder is reviewed and approved as part of underwriting. Production builders move through this quickly; custom builders provide license, insurance, and project plans.
Single Closing — One closing covers lot, construction financing, and permanent loan — before a single foundation is poured.
Construction Draws — Funds released as your builder reaches milestones. I coordinate with the builder throughout.
Completion & Conversion — Your loan converts automatically at the certificate of occupancy. No second closing. No re-qualification.
Yes. Jumbo and Super-Jumbo One-Time Close programs cover custom builds in Traverse Mountain — including land acquisition and construction in a single loan with rate locked at origination and build timelines of 12 to 18+ months accommodated.
Yes. For Jumbo and Super-Jumbo One-Time Close programs, I work with portfolio lenders who correctly underwrite RSU income, vested stock, and equity compensation — a critical capability for Silicon Slopes buyers.
Yes. Physician One-Time Close programs allow qualifying healthcare professionals to build in Lehi with as little as 0-5% down and no PMI.
Traditional construction financing requires two closings — one before construction and one at completion — each with its own qualification process and closing costs. A One-Time Close loan eliminates the second closing, locks your rate upfront, and converts automatically at completion. No refinancing risk.
Building your new home in Lehi starts here. Let’s talk through your builder, your site, and your timeline.
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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