Medford’s new construction market is led by a landmark development that has reshaped South Medford’s residential landscape. Addysen Park — a 300-plus home community built by D.R. Horton, America’s largest homebuilder — is the most significant new construction project in the Rogue Valley in years. Located in South Medford near the Dakota and Stewart avenue corridors, Addysen Park delivers seven floor plans ranging from 1,256 to 2,332 square feet with three to five bedrooms, 2 to 3 bathrooms, smart home technology, and 10-year limited home warranties. Prices start in the high $370,000s — the most accessible new construction entry point in the Medford market — making Addysen Park the dominant option for first-time and move-up buyers who want warranty-backed new construction with modern finishes at a price point that speaks to the broader Rogue Valley household income reality. The community’s 8-plus acre public park, funded by the City of Medford and developer Terry Buntin and set to include a playground, picnic shelter, restrooms, dog park, basketball courts, lighted walking path, multi-purpose grass field, splash pad, and two pickleball courts, adds a significant public amenity to the South Medford corridor.
Beyond Addysen Park, Hayden Homes operates in Medford and East Medford with additional production communities. Custom builders serve the East Medford premium market — Saddle Ridge estate lots, private Roxy Ann Mountain parcels, and infill sites in established East Medford neighborhoods where a buyer has acquired land and selected an architect-directed build. The Rogue Valley’s custom homebuilding community is active, driven by demand from California equity buyers who want a Southern Oregon estate home that reflects their specifications rather than a production builder’s plan book.
For buyers in any of these scenarios, the One-Time Close Construction Mortgage Loan provides a specific and valuable protection that two-loan construction approaches cannot match: the rate is locked at the initial close, and there is no re-qualification when construction completes. For a California retiree building a custom estate home on a Saddle Ridge lot — whose income may come entirely from investment account distributions and Social Security — the possibility of facing a new qualification standard at conversion on a two-loan structure introduces a risk that the One-Time Close eliminates. For a first-time buyer entering Addysen Park — whose income and employment situation will be essentially unchanged 6 months from contract signing — the protection is proportionally smaller but the simplicity and cost efficiency of a single closing remain meaningful. At Loans by Lehrman, we match the right One-Time Close program to each borrower’s
construction scenario and financial profile.
A One-Time Close Construction Mortgage Loan combines construction financing and permanent end-loan financing into a single transaction. You qualify before construction begins, close once, and your loan converts automatically to a permanent mortgage when the certificate of occupancy is issued.
The three phases:
Construction Phase — After closing, funds are disbursed to your builder in draws as construction milestones are verified complete. You pay interest only on disbursed amounts during this period.
Conversion — When the certificate of occupancy is issued, the loan converts automatically to your permanent mortgage — no second application, no second appraisal, no re-qualification, no second closing costs.
Repayment Phase — You begin making standard principal and interest payments on your permanent mortgage.
Key Features:
Single closing — one set of closing costs, one qualification process
Rate locked at closing — protects against market movement through Medford's 6 to 12 month production build timelines and 12 to 18 month custom build periods
No re-qualification at conversion — critical protection for California equity buyers, asset depletion borrowers, and physician households whose income profile may evolve during the build period
Draw schedule coordinated with your builder's construction milestones
Available in conforming, jumbo, and physician program tiers
Applicable to Addysen Park, Hayden Homes, and fully custom private lot projects throughout Jackson County
For buyers entering Addysen Park (D.R. Horton, high $370,000s and above) and Hayden Homes’ Medford communities at loan amounts within the 2026 Jackson County conforming limit. Competitive terms, straightforward documentation, and proactive draw management.
For buyers commissioning custom builds in East Medford’s premium corridors — Saddle Ridge estate lots, large parcels in established East Medford neighborhoods — and for any production community purchase where land plus construction exceeds the conforming limit. California equity buyer and Asante physician income documented correctly from the start.
For buyers working with custom architects and builders on private lots throughout Jackson County — Saddle Ridge, Roxy Ann Mountain parcels, Applegate Valley acreage, and infill East Medford sites. We establish Oregon CCB licensing, draw schedule, and milestone alignment from the initial builder engagement.
For Asante Rogue Regional and Providence Medford physicians who want to build in East Medford rather than purchase existing inventory. Combines no-PMI physician loan features with construction financing in a single transaction. Offer letter qualification available for physicians who have signed an employment contract.
D.R. Horton — Addysen Park (South Medford, 97501)
Addysen Park is D.R. Horton's flagship Southern Oregon community — a 300-plus home development in South Medford that represents D.R. Horton's commitment to the Rogue Valley market as a long-term production location. Seven floor plans from 1,256 to 2,332 square feet cover entry-level single-story designs (the Shasta, 1,256 sq. ft.; the Moreland, 1,630 sq. ft.) through move-up two-story configurations (the Berkshire, 1,860 sq. ft.; the Newport, 2,045 sq. ft.; the Pacific, 2,332 sq. ft.). All homes include solid surface countertops,
stainless-steel appliances with electric range/oven, smart home technology, and 10-year limited warranty coverage. The community's 8-plus acre public park — funded by $749,999 from the City of Medford — adds a significant recreation amenity to the South Medford location. Starting in the high $370,000s. Located approximately 10 minutes from Asante Rogue Regional Medical Center, the Rogue Valley
International-Medford Airport, and downtown Jacksonville.
Hayden Homes — East and West Medford Communities
Hayden Homes, a Pacific Northwest regional builder, operates
production home communities in Medford's East and West corridors alongside D.R. Horton. Hayden's Medford communities focus on
affordable new construction with production home specifications appropriate to Rogue Valley income levels, delivering additional options for first-time and move-up buyers who want new construction warranty coverage at accessible price points.
Custom Builders — East Medford, Saddle Ridge, and Applegate Valley
Medford's custom homebuilding community serves the East Medford premium market with architect-directed residential design on estate lots, Roxy Ann Mountain parcels, and Applegate Valley acreage. Custom builders hold Oregon CCB licensing and work with buyers who have specific design visions, environmental site requirements, or luxury specification standards that production communities cannot meet. We have established builder relationships throughout the Jackson County custom building community and can connect interested buyers with appropriate Oregon CCB-licensed builders for any project type.
Addysen Park draw timeline knowledge — D.R. Horton's construction milestone system and typical completion timelines from 6 to 9 months from contract
Custom East Medford builder expertise — Saddle Ridge estate lot draw schedules require custom builder experience and milestone-to-disbursement precision
Rate lock protection for California equity buyers building in Southern Oregon — buyers arriving with proceeds from high-value prior home sales and building a custom estate deserve the rate certainty One-Time Close provides
Physician One-Time Close for Asante and Providence physicians building in East Medford
Asset depletion borrower compatibility — One-Time Close programs are available to borrowers qualifying under asset depletion structures, which is particularly relevant for California retirees building custom Rogue Valley homes
Remote worker income documentation for Southern Oregon's growing telecommuting homebuilding community
Ryan Lehrman, NMLS #235295
Credit: Minimum 680 for conventional programs; 700–720 for jumbo construction tiers
Income: Fully documented — W-2, California prior home sale proceeds, retirement distributions, Asante and Providence physician employment agreements, and self-employment income all considered by program tier
Down Payment: Typically 5%–10% for conforming; higher for jumbo; physician programs may allow lower down payments
Builder Requirements: Oregon CCB license required; approved construction contract and verified draw schedule required before closing
California equity buyers building custom homes in East Medford, Saddle Ridge, or the Applegate Valley frequently have income profiles that include a combination of prior home sale proceeds, retirement distributions, and possibly Social Security or investment income — but limited or no current earned income. A two-loan construction approach requires re-qualification at conversion under the income conditions that exist at completion. If retirement distributions have changed, if investment returns have varied, or if any component of the income picture has shifted during a 12 to 18 month custom build, the re-qualification introduces real risk. A One-Time Close locks the qualification at the start and converts automatically at completion, eliminating that exposure entirely for borrowers whose income picture is built from non-salary sources.
Yes. Our physician One-Time Close Construction programs allow qualification on a signed Asante Rogue Regional or Providence Medford employment contract, with closing within 90 days of the employment start date. A physician who has selected an Addysen Park floor plan and has an Asante start date within the qualification window can close on the construction loan concurrent with beginning their Rogue Valley clinical position.
Yes. For buyers who have not yet acquired a Saddle Ridge lot, an Applegate Valley parcel, or another East Medford custom build site, we can structure the construction loan to cover both the land acquisition and construction costs in a single transaction. This is one of the most common configurations for California equity buyers who are simultaneously identifying a Rogue Valley site and commissioning a custom builder — the combined land-and-build loan closes once before either the land acquisition or the first construction draw.
D.R. Horton's production process at Addysen Park uses a standardized milestone system — foundation, framing, rough mechanicals, drywall, finish, and final — that aligns directly with construction loan draw schedules. Typical completion timelines run 6 to 9 months from contract, which is a relatively compressed construction period compared to custom builds. We coordinate with Addysen Park's sales and construction team to confirm the draw schedule at the time of contract and establish the disbursement plan that aligns with D.R. Horton's verified milestone completion process.
Building your new home in Medford 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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