Scottsdale is one of Arizona’s most prestigious — and most competitive — real estate markets. From DC Ranch and Silverleaf to Old Town luxury condos and Desert Mountain estates, property values here regularly demand financing far beyond conforming limits. I specialize in helping Scottsdale’s high-income professionals, physicians, and luxury homebuyers secure the mortgage that’s right for them.
My office is right here on Scottsdale Road. I know this market intimately — the neighborhoods, the price points, the builders, and the pace. Whether you need a Jumbo loan for a guard-gated estate, a Physician mortgage with minimal down payment near the HonorHealth Scottsdale campus, or a One-Time Close Construction loan to build a custom home in North Scottsdale, I’m here to guide you with transparency, speed, and care.
With 20+ years of Arizona mortgage experience and deep roots in the Scottsdale community, I make the process simple so you can stay focused on finding the perfect property.
Based on Scottsdale Road — My office is at 6710 N. Scottsdale Rd., Ste. 100. I'm not a distant call center.
Luxury market specialization — Jumbo and Super-Jumbo financing have been my focus for over two decades
Non-QM & portfolio access — More options for complex profiles: self-employed, asset-rich, and physician borrowers
Fast, transparent closings — Local presence means faster coordination with Scottsdale agents and title companies
20+ years of Arizona expertise — From first-time buyers to $10M+ Silverleaf estate buyers
NMLS #235295
Financing above conforming limits for Scottsdale’s luxury properties — in DC Ranch, Silverleaf, McCormick Ranch, Gainey Ranch, and beyond. Flexible underwriting for high-income borrowers with loan amounts starting above $806,500.
Multi-million-dollar financing for Scottsdale’s most prestigious estates — Silverleaf, Desert Mountain, and guard-gated North Scottsdale — with portfolio loans, asset-based underwriting, and discreet, personalized service for ultra-high-net-worth buyers.
Designed for Scottsdale-area MDs, DOs, dentists, and medical residents near HonorHealth, Mayo Clinic, and Scottsdale’s medical corridor. Zero-to-low down payment, no PMI, and flexible underwriting that accounts for student loan debt and deferred income.
Building a custom home in North Scottsdale, Silverleaf, DC Ranch, or Troon? Combine land, construction, and permanent financing into a single loan — with one closing, expert local draw management, and seamless conversion to permanent financing.
From the ultra-exclusive enclave of Silverleaf — where properties regularly trade above $10M — to the golf communities of DC Ranch, Gainey Ranch, and Desert Mountain, Scottsdale concentrates more luxury real estate than any other Arizona city. Jumbo and Super-Jumbo loans aren’t the exception here; they’re the rule.
Scottsdale is home to HonorHealth’s flagship Scottsdale Osborn and Shea campuses, Mayo Clinic Arizona, and a thriving private practice community. Physicians and medical professionals choosing Scottsdale benefit enormously from specialized Physician Mortgage programs tailored to their career stage.
The Scottsdale desert foothills — from Troon to Desert Highlands and beyond — offer exceptional lots for custom luxury builds. One-Time Close Construction loans are increasingly popular among buyers who want to design and build their ideal North Scottsdale residence from the ground up.
With median luxury home prices well above $1.5M–$3M in Scottsdale’s most desirable areas and the Maricopa County conforming limit at roughly $806,500, Jumbo financing is standard practice — not a specialized niche — for the majority of Scottsdale’s luxury buyers.
Scottsdale’s luxury real estate moves quickly, especially in trophy communities like Silverleaf and DC Ranch. Working with a Scottsdale-based mortgage specialist means faster pre-approvals, direct lender relationships, and a credible offer in one of the country’s most competitive luxury markets.
In Maricopa County (which includes Scottsdale), loans exceeding the conforming limit — currently around $806,500 — are considered Jumbo. Super-Jumbo loans typically begin at $1.5M–$2M and extend to $10M+ for Scottsdale's most prestigious estates.
Yes. Physician Mortgage programs allow 0–5% down, waive PMI, and account for student loan debt — even for residents and fellows at Scottsdale's HonorHealth, Mayo Clinic, and other medical facilities.
A One-Time Close Construction Loan combines land, construction financing, and permanent mortgage into a single loan with one closing. During the build you make interest-only payments; when your Scottsdale custom home is complete the loan converts automatically — no second closing required.
Most standard Jumbo programs recommend 700+ credit scores. Portfolio and non-QM programs allow me to review your full financial picture — an important advantage for the complex profiles common among Scottsdale's high-net-worth buyers.
With documentation ready, most Jumbo and Physician approvals close in 30–45 days. Being based in Scottsdale means I'm in the same market as your agent and title company — coordination is faster and timelines are tighter.
All of Scottsdale — DC Ranch, Silverleaf, Desert Mountain, McCormick Ranch, Gainey Ranch, Troon, Old Town Scottsdale, South Scottsdale, and all points in between and beyond.
I’m here to support you every step of the way. If you’re ready to turn your Scottsdale home financing goals into reality, let’s work together.
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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