Ogden’s housing market is defined by a wide range of options — from accessible valley-floor neighborhoods to premium east bench properties that rise toward the Wasatch Range. In the upper tier, Ogden’s best addresses — hillside homes with mountain views above Harrison Boulevard, canyon-adjacent properties along the Ogden Canyon corridor, and the most exceptional listings in the Ben Lomond area — regularly cross Weber County’s conforming loan limit of $806,500. For buyers who want Ogden at its best, Jumbo financing is a regular part of the equation.
I specialize in Jumbo mortgage products for buyers at the top of Ogden’s market — with flexible underwriting for Hill Air Force Base senior personnel, Weber State University leadership, self-employed professionals, healthcare executives, and buyers whose compensation includes variable income or equity components.
A Jumbo mortgage is any home loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In Weber County — which includes Ogden — the conforming limit is $806,500 for 2025. Any loan above that threshold is considered Jumbo.
Ogden’s Jumbo market is concentrated in its eastern neighborhoods: the hillside streets above downtown, the Ogden Canyon area, and the north Ogden bench communities adjacent to Weber State University and the Beus Canyon corridor. These neighborhoods consistently produce the market’s most sought-after addresses for buyers who want mountain proximity, larger lots, and easy access to Snowbasin and Nordic Valley ski resorts.
Loan amounts above $806,500 (Weber County)
Flexible underwriting for high-income and complex profiles
New construction and resale properties
Portfolio and non-QM program access
Competitive rates with personalized terms
30-45 day closing timelines for qualified borrowers
Loans from $806,500 to $1.5M
Flexible underwriting for high-income W-2 and self-employed borrowers
Primary residences and second homes
New construction timelines accommodated
Strong credit profiles preferred (700+)
Multi-million-dollar financing for exceptional properties and canyon-adjacent estates
Asset-based and portfolio loan programs
Alternative documentation accepted
Discreet, high-touch service
Low or zero down payment (0–5%)
No PMI for physicians at qualifying Jumbo loan amounts
Student loan flexibility maintained at Jumbo levels
Available for McKay-Dee Hospital and Ogden Regional Medical Center physicians
East Bench Communities — Ogden's east bench neighborhoods represent the upper tier of the local market. Properties along the hillside streets above 36th Street and ascending toward the mouth of Ogden Canyon offer mountain views, larger lots, and a separation from the valley floor that buyers consistently value. The proximity to Ogden Canyon, Pineview Reservoir, and the ski resorts beyond makes these neighborhoods among the most desirable addresses in Weber County.
Ben Lomond Area — The Ben Lomond neighborhood and its surrounding hillside streets are an established upper-tier residential area in north Ogden. Named for the prominent Wasatch peak above the city, this area offers a combination of mature landscaping, larger homes, and views of the valley and Great Salt Lake that distinguishes it from comparable properties further south.
Ogden Canyon Corridor — Properties at the mouth of Ogden Canyon sit at the entry to one of Northern Utah's most scenic drives. Canyon-adjacent homes here benefit from immediate recreational access — Ogden River Parkway, Pineview Reservoir, Nordic Valley ski resort, and Snowbasin's trails are all within a short drive. The limited inventory and premium setting make this one of Ogden's most distinctive residential addresses.
North Ogden Bench — North Ogden's hillside properties above Harrison Boulevard offer a newer stock of upper-tier homes with mountain and valley views, close proximity to Weber State University, and access to the growing North Ogden commercial corridor. This area attracts move-up buyers from across the Wasatch Front who want Ogden's affordability advantage relative to Salt Lake County without sacrificing lifestyle.
Knowledgeable about Ogden's east bench, canyon-adjacent properties, and upper-tier neighborhoods
Flexible Jumbo programs suited to Hill Air Force Base senior personnel, healthcare executives, and complex-income borrowers
Physician Jumbo programs for healthcare professionals at McKay-Dee Hospital and Ogden Regional Medical Center
Fast, transparent approvals with direct lender relationships
20+ years of experience — NMLS #235295
Strong Credit Profile — Typically 700+ for standard Jumbo programs.
Low Debt-to-Income Ratio — Most programs prefer DTI under 43%, with flexibility for high-asset borrowers.
Significant Cash Reserves — 6-12 months of mortgage payments in reserves is typical.
Stable, High Income — W-2, self-employed, and equity compensation borrowers all qualify under the right programs. Hill Air Force Base, Ogden Regional Medical Center, McKay-Dee Hospital, and Weber State University are common employer anchors for Ogden Jumbo buyers.
Pre-Qualification — Review your income, assets, and target property or community.
Program Selection — Identify the best Jumbo program for your financial profile.
Application & Underwriting — Efficient process for qualified borrowers.
Approval & Closing — Typically 30-45 days for resale; new construction timelines accommodated.
Funding — Move into your Ogden home with confidence.
Jumbo transactions are a regular feature of Ogden's east bench and canyon-adjacent market. As Northern Utah home prices have appreciated with the broader Wasatch Front growth story, Jumbo financing has become increasingly relevant for buyers targeting the top of Ogden's inventory.
Yes. New construction Jumbo loans accommodate builder timelines, including extended close dates and construction contingencies. I work with active Ogden and Weber County builders.
Yes. Physician Jumbo programs allow qualifying medical professionals to purchase above the conforming limit with as little as 0-5% down and no PMI.
Ready to finance your upper-tier Ogden property? Schedule a
confidential consultation today.
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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