Summit County’s high-cost conforming loan limit is $1,149,825 — the highest in Utah — and yet Park City’s market still produces Jumbo transactions as a matter of routine. Ski-in/ski-out residences at the base of Deer Valley lifts, larger Old Town Victorians fully renovated to current luxury standards, Canyons Village penthouses, and hillside homes in the Snyderville Basin with unobstructed mountain views regularly price above that threshold. For buyers who want the best of what Park City offers, Jumbo financing is frequently part of the transaction.
I specialize in Jumbo mortgage products for buyers at the top of Park City’s market — with flexible underwriting for self-employed
professionals, executives with equity-heavy compensation, seasonal income earners, and buyers whose financial picture requires lenders who understand how wealth is held and earned in a high-end mountain resort community.
A Jumbo mortgage is any home loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In Summit County — which includes Park City — the conforming limit is $1,149,825 for 2025. Any loan above that threshold is considered Jumbo and exits standard Fannie/Freddie guidelines.
Park City’s Jumbo market spans a wide range of property types and neighborhoods: ski-access condominiums at Canyons Village, larger single-family homes in the Snyderville Basin, Old Town properties with significant renovation, and canyon-facing estates that command premium pricing for views and terrain. The common thread is that purchase prices have outpaced even the county’s elevated conforming ceiling.
Loan amounts above $1,149,825 (Summit County)
Flexible underwriting for high-income and complex profiles
Primary residence, second home, and investment property programs
Portfolio and non-QM program access
Competitive rates with personalized terms
Experience with luxury appraisals and ski resort property valuation
30-45 day closing timelines for qualified borrowers
Loans from $1,149,826 to approximately $3M
Flexible underwriting for high-income W-2, self-employed, and variable-income borrowers
Primary residences and second homes
New construction timelines accommodated
Strong credit profiles preferred (700+)
Multi-million-dollar financing for Deer Valley estates, Promontory ranch homes, and Empire Pass ski-in/ski-out properties
Asset-based and portfolio loan programs
Alternative documentation accepted for high-net-worth borrowers
Discreet, high-touch service
Low or zero down payment (0-5%) for qualified medical professionals
No PMI for physicians at qualifying Jumbo loan amounts
Student loan flexibility maintained at Jumbo levels
Available for physicians across the Wasatch Front commuting to Park City
Deer Valley and Empire Pass — Deer Valley's ski terrain is the most exclusive in Utah, and properties at the base of or adjacent to its lifts command the market's highest prices. Ski-in/ski-out estates and luxury condominiums in this corridor routinely price from $2 million to well above $5 million. Competition is real, and clean pre-approvals are essential.
Old Town Park City — Historic Victorian miners' cottages extensively renovated to current luxury standards anchor Old Town's upper market. The combination of walkability, ski lift access via the Town Lift, and irreplaceable historic character makes Old Town one of the most sought-after addresses in the Mountain West. Premium properties here regularly reach and exceed the conforming limit.
Canyons Village — Park City Mountain's resort village offers slope-side condominiums, townhomes, and hotel-branded residences. Condo Jumbo underwriting here requires attention to HOA financials, warrantability, and rental restriction structures that differ from single-family transactions.
Snyderville Basin — The broader basin west of Park City proper includes established neighborhoods and newer developments with mountain views, easy resort access, and more land per dollar than Old Town or Deer Valley. Upper-tier properties here represent Jumbo territory as market values have appreciated across the basin.
Knowledgeable about Park City's distinct submarkets and how ski access, views, and resort proximity affect property values and appraisals
Flexible Jumbo programs suited to self-employed professionals, seasonal earners, and complex-income borrowers common in Summit County
Physician Jumbo programs for healthcare professionals purchasing in the Wasatch Mountain corridor
Experience with second home and vacation property Jumbo financing for Wasatch Front buyers
Fast, transparent approvals with direct lender relationships
20+ years of experience — NMLS #235295
Strong Credit Profile — Typically 700+ for standard Jumbo programs, with program flexibility for exceptional borrower profiles.
Low Debt-to-Income Ratio — Most programs prefer DTI under 43%, with flexibility for high-asset borrowers and those with asset depletion qualifying income.
Significant Cash Reserves — 6-12 months of mortgage payments in reserves is typical; more may be required at higher loan amounts.
Stable, High Income — W-2, self-employed, equity compensation, and seasonal income borrowers all qualify under the right programs. Park City's buyer pool frequently includes business owners, executives, and professionals with compensation structures that require program matching rather than off-the-shelf solutions.
Pre-Qualification — Review your income, assets, and target property or neighborhood within Park City or Summit County.
Program Selection — Identify the best Jumbo program for your financial profile and property type.
Application & Underwriting — Efficient process for qualified borrowers; appraisal coordinated with Summit County-knowledgeable appraisers.
Approval & Closing — Typically 30-45 days for resale; new construction and resort timelines accommodated.
Funding — Move into your Park City home with confidence.
Jumbo transactions are a consistent feature of Park City's market even with Summit County's elevated conforming limit. As property values in Deer Valley, Old Town, and the Snyderville Basin continue their long-term appreciation, Jumbo lending has become a routine part of how Park City real estate is financed.
Yes. Second home and vacation property Jumbo programs are available for Wasatch Front buyers purchasing in Park City. Reserve requirements and rate structures differ from primary residence loans; I can walk you through the specifics for your scenario.
Yes, with important distinctions. Condo Jumbo programs require the project to meet lender warrantability requirements. I work with lenders familiar with Park City's resort condominium projects and can advise on which buildings and unit types qualify.
Ready to finance your upper-tier Park City 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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