Vancouver and the broader Clark County market are among the most active new construction environments in Washington State. The region’s consistent inflow of Oregon professionals crossing the river for Washington’s income tax advantage, combined with a growing local employment base and relative affordability compared to the Seattle market, has sustained strong new home demand across every price tier. Salmon Creek’s established suburban communities continue to add production and semi-custom homes. Felida’s premier neighborhoods — Grand Vue and Ashley Heights — deliver luxury new construction at the $1 million to $1.5 million tier. Ridgefield and Battle Ground, north of Vancouver, offer newer homes on larger lots at accessible prices for families and buyers seeking more land. And along the Columbia River corridor, custom builds on view and waterfront parcels represent Clark County’s highest-end new construction activity.
For all of these buyers, a One-Time Close Construction Mortgage Loan is the most efficient path to a new home. One closing before the build begins. One set of closing costs. A rate locked at origination. Automatic conversion to permanent financing when the home is ready for occupancy. No second application, no risk that the rate environment has shifted during a 6- to 12-month Clark County construction cycle.
I offer One-Time Close Construction financing for Vancouver-area builds across all price tiers — from production homes in Salmon Creek and Ridgefield to custom waterfront estates along the Columbia River corridor.
A One-Time Close Construction Loan — sometimes called a Construction-to-Permanent loan — combines three phases of financing into a single loan product:
Land or Lot Acquisition — Financing for your homesite, whether a lot in an active Clark County community or a standalone parcel anywhere in the county
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 a build that may take 6 to 12 months — and eliminates the administrative burden and cost 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 Vancouver and Clark County builders
Available at Jumbo-level amounts for upper-tier builds
30–45 day closing timeline for qualified borrowers pre-construction
For builds in the conforming range up to $832,750 (Clark County limit)
Fixed or adjustable permanent rate options
Works with all active Clark County production and semi-custom builders, including D.R. Horton communities throughout the Vancouver metro
Physician-friendly versions available with 0-5% down and no PMI
For builds above $832,750 — Felida custom builds, Columbia River view and waterfront estates, and upper-tier custom construction throughout Clark County
Portfolio and non-QM options for complex income profiles
Financing aligned with premium new construction timelines
For buyers working with a licensed custom builder on a private parcel, Columbia River view lot, or estate site
Covers land purchase and construction in a single transaction
Suited to homes designed around Columbia River views, Mount Hood sight lines, and the Pacific Northwest landscape that defines Clark County's most coveted residential settings
Salmon Creek — One of Vancouver's most established and family-friendly suburban communities, Salmon Creek continues to see active new construction alongside a mature resale market. The neighborhood's proximity to Legacy Salmon Creek Medical Center, WSU Vancouver campus, and the Salmon Creek Greenway Trail makes it one of the most consistently in-demand areas in Clark County. Production and semi-custom builds here are well-suited to standard One-Time Close programs within the conforming limit.
Felida — Grand Vue and Ashley Heights — Felida's premier communities represent the upper end of Clark County's new construction market. Grand Vue delivers homes from $1 million to $1.25 million with luxury finishes, generous square footage, and architectural variety. Ashley Heights, set between Salmon Creek and Lake River, offers a partially gated setting with 20+ acres of community parks and homes listing from $1 million to $1.5 million. Jumbo One-Time Close programs are the standard financing tool for new builds in these communities.
Royal Glen — Salmon Creek — A newer gated community in the Salmon Creek area delivering custom-built ranch homes with high-end finishes — engineered hardwood, custom cabinetry, designer fixtures, and open-plan layouts. An example of the premium production-custom hybrid construction active throughout Vancouver's established suburban neighborhoods.
Ridgefield — Just north of Vancouver, Ridgefield is one of Clark County's fastest-growing communities — a small town with a distinct identity, highly rated schools, and a steady supply of new single-family homes from national and regional builders. Production and semi-custom builds here attract families and value-conscious buyers who want new construction quality at prices below the Vancouver core. One-Time Close programs within the conforming limit are the primary tool.
Battle Ground — Northeast of Vancouver, Battle Ground offers rural character, larger lots, and a small-town feel at entry-level new construction prices. Buyers who prioritize space and privacy over urban proximity find value here, and the community's growth has attracted a range of builders to meet demand.
Columbia River Custom Builds — The Old Evergreen Highway corridor and the hillsides above the Columbia River offer a limited but meaningful supply of custom build opportunities for buyers seeking waterfront access, river views, or Columbia River Gorge sight lines. These projects require Jumbo One-Time Close programs and typically involve longer construction timelines given the complexity of waterfront siting and permitting.
Experienced in One-Time Close Construction financing with production, semi-custom, and fully custom builders throughout Clark County
Knowledge of Vancouver's new construction landscape — Salmon Creek, Felida, Grand Vue, Ashley Heights, Royal Glen, Ridgefield, Battle Ground, and the Columbia River custom build corridor
Jumbo One-Time Close programs for Felida luxury builds and Columbia River waterfront and view properties
Physician One-Time Close programs available for healthcare professionals building in Clark County
Understanding of Oregon-source income documentation for builders and buyers relocating from Oregon
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 builders like D.R. Horton and established regional builders throughout Clark County are readily approvable; custom builders require additional credentialing documentation.
Construction Plans and Budget — Production and semi-custom builder purchases use standard contracts. Custom builds in Felida, on Columbia River parcels, or on standalone lots require full plans, permits, and a detailed budget before underwriting.
Strong Borrower Profile — Income, credit, and reserve requirements align with the appropriate conforming or Jumbo program tier depending on build cost. Oregon-source income handled with appropriate cross-border documentation.
Realistic Timeline — Production homes in Clark County typically run 6-10 months. Custom builds in Felida, along the Columbia River corridor, and on complex view parcels run 10-18 months. One-Time Close programs are structured for both.
Pre-Qualification — Review your income, assets, builder, and community to identify the right program.
Builder Approval — Your Clark County builder is reviewed and approved as part of underwriting.
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 completion. No second closing. No re-qualification.
Yes. Jumbo One-Time Close programs cover custom builds in Grand Vue, Ashley Heights, and on standalone Felida parcels — including land acquisition and construction in a single loan with rate locked at origination.
No. Oregon-source income qualifies for Washington One-Time Close Construction financing in the same way as Washington income. I handle cross-border income documentation regularly for Oregon-to-Vancouver relocators.
Yes. Physician One-Time Close programs allow qualifying healthcare professionals to build in Vancouver and throughout Clark County with as little as 0-5% down and no PMI, including in Jumbo loan size ranges.
Traditional construction financing requires two closings — one before construction and one at completion — each with its own costs and qualification process. A One-Time Close loan eliminates the second closing, locks your rate upfront, and converts automatically at completion. In a market where build timelines run 10-18 months, rate protection and process simplicity are substantial benefits.
Building your new home in Vancouver 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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