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 Tempe — the conforming limit is currently around $806,500. Any loan above that threshold is considered Jumbo.
Tempe’s premium properties — lakefront condominiums at Bridgeview at Hayden Ferry Lake, custom estates in South Tempe’s Circle G corridor, and top-tier homes in The Lakes — regularly exceed this threshold, making Jumbo financing the natural product for Tempe’s high-end buyers.
Key Features:
Loan amounts above $806,500 (Maricopa County)
Flexible underwriting for high-income and complex profiles
Primary residences, second homes, and 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+)
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 and fellows
MDs, DOs, DDS, DMDs, and more
Available for HonorHealth Tempe and affiliated practices
Bridgeview Condominiums at Hayden Ferry Lake — Tempe's most iconic luxury address. High-rise condominiums and penthouses on Tempe Town Lake with sweeping water and mountain views, private elevator access, 24-hour concierge service, and a lifestyle that competes with anything in the Valley. Top-floor units regularly push well past $1M.
Tempe Town Lake Waterfront — Properties with direct lake frontage or lake views along the 220-acre Tempe Town Lake command meaningful premiums. The combination of urban walkability, water access, and mountain views creates a genuinely distinctive luxury tier in Tempe's real estate market.
South Tempe — Circle G — A hidden gem in South Tempe, the Circle G corridor offers large-lot custom estate homes on 1+ acre irrigated properties — a rarity in such a central and established location. These homes blend rural land scale with full urban access and regularly push into Jumbo territory.
The Lakes Community — Arizona's first private man-made lake community, designed in the 1970s with Disneyland waterway expertise. Lakefront properties here — with private docks, fishing rights, and access to a recreation center and junior Olympic pool — are among Tempe's most coveted addresses, often listing above $1M.
South Tempe (85284) — Larger single-family homes and custom estates in south Tempe's established suburban corridors, particularly near Kyrene Road, serve as a strong Jumbo market for families and professionals who want Tempe's location with more space.
Deep expertise in Tempe's distinct luxury real estate segments — waterfront urban and large-lot suburban
Personalized, high-touch service for high-income and high-net-worth borrowers
Access to non-QM and portfolio loan programs for complex income situations
Fast, transparent approvals with direct lender relationships
20+ years of Arizona mortgage experience — NMLS #235295
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 available for complex profiles and alternative documentation.
Low Debt-to-Income Ratio — Most programs prefer DTI under 43%, though high-asset borrowers may qualify at higher ratios with the right program.
Significant Cash Reserves — 6–12 months of mortgage payments in reserves is typical. Asset-based programs can use investment accounts and retirement assets.
Stable, High Income — W-2, self-employed, and high-net-worth borrowers all qualify — documentation requirements vary by program type.
Tempe-Area Property — Primary residences, second homes, and investment properties throughout Tempe and surrounding East Valley communities.
Pre-Qualification — Review your income, assets, property goals, and preferred Tucson neighborhoods.
Program Selection — Identify the best Jumbo or Super-Jumbo program for your financial profile and target property.
Application & Underwriting — Streamlined process for high-income Tempe borrowers.
Approval & Closing — Efficient timelines — typically 30–45 days — with expert guidance at every step.
Funding — Move into your Tempe luxury property with confidence and clarity.
In Maricopa County, loans exceeding approximately $806,500 are considered Jumbo. Tempe's lakefront condominiums, Lakes community waterfront homes, and South Tempe estates regularly produce transactions from $1M to well above the Super-Jumbo threshold.
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 licensed medical professionals.
RSUs, stock options, and bonus compensation from employers like GoDaddy, First Solar, and Insight Enterprises can be factored into qualifying income under the right programs. I work with borrowers to present their total compensation effectively.
Yes. We offer Jumbo programs for primary residences, secondary homes, and investment properties throughout Tempe.
Ready to finance your luxury Tempe 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.
Who we are
Our website address is: https://loansbylehrman.com/
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