High-value home financing for Scottsdale’s luxury market. Whether you’re purchasing in DC Ranch, Silverleaf, McCormick Ranch, or Gainey Ranch, I provide Jumbo and Super-Jumbo programs tailored to high-income borrowers — with flexible underwriting and expert local knowledge from my Scottsdale Road office.
A Jumbo mortgage is a home loan that exceeds Fannie Mae and Freddie Mac’s conforming loan limits. In Maricopa County — which includes all of Scottsdale — the conforming limit is currently around $806,500. Any loan above that threshold is Jumbo.
Scottsdale’s luxury real estate market makes Jumbo financing the standard, not the exception. Median home prices in communities like DC Ranch, Silverleaf, and Gainey Ranch regularly exceed $2M–$5M, and ultra-luxury estates in enclaves like Desert Mountain frequently trade well above $10M.
Unlike conforming loans, Jumbo mortgages are underwritten by private lenders — offering more flexibility for high-income borrowers but requiring stronger financial profiles. I specialize in matching Scottsdale buyers to the right program, with access to portfolio, non-QM, and asset-based options that go beyond what a standard bank can offer.
Jumbo Loan Key Features:
Loan amounts above $806,500 (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 $806,500 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–$10M+)
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
Ideal for Scottsdale's medical corridor
DC Ranch & Silverleaf — North Scottsdale's most prestigious addresses. Silverleaf estates routinely exceed $5M–$15M+, making Super-Jumbo financing essential.
Desert Mountain — One of the Southwest's premier private golf communities, with custom estates and casitas that regularly require multi-million-dollar financing.
Gainey Ranch — Guard-gated golf community in the heart of Scottsdale with luxury homes ranging from $1.5M to $5M+.
McCormick Ranch — One of Scottsdale's most established luxury neighborhoods — lakeside estates, golf course homes, and premium lots in the $1M–$3M range.
Troon & North Scottsdale — Custom estates in the Scottsdale desert foothills with dramatic mountain views and expansive lots.
Old Town & Central Scottsdale — Luxury condos, modern estates, and high-end new builds in the heart of Scottsdale's arts and dining corridor.
Based in Scottsdale — I know this market, these neighborhoods, and these price points intimately
Deep expertise in Scottsdale's luxury real estate and Jumbo financing
Personalized, high-touch service for high-income borrowers
Access to non-QM and portfolio loan programs
Fast, transparent approvals — typically 30–45 days
20+ years of Arizona mortgage experience
I review each client individually — these are common benchmarks, not hard cutoffs.
Strong Credit Profile — Typically 700+ for standard Jumbo programs. Portfolio and non-QM options 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 leverage investments and retirement accounts.
Stable, High Income — W-2, self-employed, and high-net-worth borrowers all qualify — documentation requirements vary by program.
Scottsdale Property — Primary residences, second homes, and investment properties throughout Scottsdale and the greater area.
Pre-Qualification — Review income, assets, property goals, and Scottsdale neighborhood preferences.
Program Selection — Identify the best Jumbo or Super-Jumbo program for your financial profile.
Application & Underwriting — Streamlined process for high-income Scottsdale borrowers with complex documentation.
Approval & Closing — Typically 30–45 days with expert guidance from my Scottsdale office.
Funding — Move into your Scottsdale luxury property with confidence and clarity.
Loans exceeding $806,500 in Maricopa County are Jumbo. Super-Jumbo programs typically begin at $1.5M–$2M and extend to $10M+ for Scottsdale's most prestigious estates.
Yes. Some programs allow 10–15% down for well-qualified borrowers. Physician-specific programs may allow 0–5% down with no PMI for medical professionals near Scottsdale's medical facilities.
With proper documentation, most Scottsdale Jumbo loans close in 30–45 days. Being locally based means faster coordination with Scottsdale agents and title companies.
Yes — for primary residences, second homes, and investment properties throughout Scottsdale including luxury multi-unit and short-term rental properties.
Standard programs accept W-2s, tax returns, and bank statements. Asset-based and non-QM programs offer alternative documentation for self-employed professionals, business owners, and high-net-worth clients.
Schedule a confidential consultation or request a personalized quote from my Scottsdale office. I’ll guide you through every step 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.
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