Purchasing a luxury home in Phoenix often requires financing beyond standard mortgage limits. I specialize in Jumbo and Super-Jumbo mortgage loans for high-income professionals, physicians, and luxury homebuyers throughout the Phoenix metro area. Whether you’re buying in Arcadia, the Biltmore Corridor, North Phoenix, or Ahwatukee, I provide personalized guidance, flexible underwriting, and access to portfolio and non-QM options to match your financial profile.
A Jumbo mortgage is any home loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In Maricopa County — which includes Phoenix — the conforming limit is currently around $832,750. Any loan above that threshold is considered Jumbo.
Phoenix’s luxury real estate market regularly features homes priced from $1M to $5M and beyond, making Jumbo financing a standard tool for buyers in desirable neighborhoods. Unlike conforming loans, Jumbo mortgages are not backed by government agencies and are underwritten by private lenders — which means more flexibility for high-income borrowers, but also stricter qualification requirements.
I specialize in navigating these requirements for Phoenix buyers, offering access to portfolio loans, non-QM options, and tailored programs that match your financial profile — not a one-size-fits-all standard.
Key Features:
Loan amounts above $832,750 (Maricopa County)
Flexible underwriting for high-income profiles
Primary residences, second homes & investment properties
Portfolio and non-QM program access
Asset-based and alternative documentation options
Competitive rates with personalized terms
30–45 day closing timelines for qualified borrowers
Loans from $832,750 to $1.5M
Flexible underwriting for high-income borrowers
Primary residences and second homes
Strong credit profiles preferred (700+)
Competitive fixed and adjustable rates
Multi-million-dollar financing ($1.5M+)
Asset-based and portfolio loan programs
Customized underwriting for ultra-high-net-worth clients
Alternative documentation accepted
Discreet, high-touch service
Low or zero down payment (0–5%)
No PMI for qualifying medical professionals
Student loan consideration for residents & fellows
MDs, DOs, DDS, DMDs, and more
Available for Phoenix-area hospitals & medical centers
Arcadia — One of Phoenix's most sought-after neighborhoods, with luxury homes regularly priced $1.5M–$5M+ along the Camelback Mountain corridor.
Biltmore Corridor — Prestigious central Phoenix estate homes, historic residences, and new luxury builds frequently requiring Jumbo financing.
North Phoenix — Rapidly appreciating luxury communities like Dynamite Mountain Ranch, Norterra, and Desert Ridge with strong new construction activity.
Ahwatukee — South Phoenix's luxury enclave featuring mountain views, golf communities, and custom estate homes in the $1M+ range.
Laveen & Estrella — Emerging high-value communities on the southwest side, with growing luxury home offerings and custom builds.
Deep expertise in Phoenix's luxury real estate markets
Personalized, high-touch service for high-income borrowers
Access to non-QM and portfolio loan programs
Fast, transparent approvals
20+ years of Arizona mortgage experience with Phoenix market knowledge
I review each client individually — these are common benchmarks, not hard cutoffs. Many borrowers with complex profiles qualify through portfolio or non-QM programs.
Strong Credit Profile — Typically 700+ for standard Jumbo programs. Portfolio and non-QM options available for complex profiles.
Low Debt-to-Income Ratio — Most programs prefer DTI under 43%, though high-asset borrowers may qualify at higher ratios.
Significant Cash Reserves — 6–12 months of mortgage payments in reserves is typical. Asset-based programs can use investments and retirement accounts.
Stable, High Income — W-2, self-employed, and high-net-worth borrowers all qualify — documentation requirements vary by program.
Phoenix Property — Primary residences, second homes, and investment properties throughout the Phoenix metro area.
Pre-Qualification — Review your income, assets, property goals, and Phoenix neighborhood preferences.
Program Selection — Identify the best Jumbo or Super-Jumbo program for your financial profile and property.
Application & Underwriting — Streamlined process designed for high-income Phoenix borrowers with complex documentation.
Approval & Closing — Efficient timelines — typically 30–45 days — with expert guidance at every step.
Funding — Move into your Phoenix luxury property with confidence and clarity.
In Maricopa County (which includes Phoenix), loans exceeding approximately $832,750 are considered Jumbo. Super-Jumbo loans typically begin at $1.5M and can extend to $10M+ for qualified borrowers.
Yes, depending on the program. Some Jumbo programs allow as little as 10–15% down for well-qualified borrowers. Physician-specific Jumbo programs may allow 0–5% down with no PMI for medical professionals.
With proper documentation, most Jumbo loan approvals can close in 30 days or less. In Phoenix's competitive market, I work to move as efficiently as possible without compromising thoroughness.
Yes. We offer Jumbo programs for primary residences, secondary homes, and investment properties — including luxury multi-unit residences in the Phoenix metro area.
Standard programs accept W-2s, tax returns, and bank statements. Asset-based and non-QM programs offer alternative documentation options for self-employed professionals, business owners, and high-net-worth clients.
Ready to finance your luxury Phoenix property? Schedule a confidential consultation or request a personalized quote today. I’ll guide you through every step of the process with transparency and care.
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.
