Vancouver, Washington holds a position in the Pacific Northwest real estate market that no other city can replicate. Situated on the north bank of the Columbia River directly across from Portland, Oregon, it gives buyers access to one of the region’s largest metropolitan economies while residing in a state with no income tax — a financial advantage that draws a steady stream of Oregon workers and Portland-area professionals north across the river. Clark County’s 2026 conforming loan limit of $832,750 reflects a market that is meaningfully more affordable than Seattle while still commanding a premium above Washington’s rural baseline, and a city where the full spectrum of mortgage programs matters: most buyers finance well within conventional limits, but Vancouver’s upper tier — Columbia River waterfront estates on the Old Evergreen Highway, Felida’s gated luxury communities, and Grand Vue and Ashley Heights custom builds — regularly requires Jumbo and specialty financing.
Vancouver is also home to PeaceHealth’s corporate headquarters and its Southwest Medical Center — a 450-bed regional hospital ranked among Washington’s best — along with Legacy Salmon Creek Medical Center and Vancouver Clinic, the largest independent physician-owned multispecialty practice in the Northwest. That healthcare employment base creates a consistent pipeline of physician buyers navigating medical school debt and new employment contracts in a market that, while more accessible than Seattle, still demands financing expertise for professionals at the top of their careers. And an active new construction landscape throughout Clark County — from production communities in Salmon Creek and Ridgefield to custom lots in Felida and along the Columbia River corridor — gives buyers real options to build rather than compete for tight resale inventory.
20+ years of experience serving Washington borrowers across Clark County and the Portland-Vancouver metropolitan area
Knowledge of Vancouver's distinct communities — Felida, Grand Vue, Ashley Heights, Salmon Creek, Old Evergreen Highway, Columbia River waterfront, Fisher's Landing, Esther Short, Cascade Park, and surrounding Clark County communities including Camas, Washougal, and Ridgefield
Specialization in Jumbo, Super-Jumbo, Physician, and One-Time Close Construction loans
Personalized guidance for physicians and healthcare professionals at PeaceHealth Southwest Medical Center, Legacy Salmon Creek Medical Center, and Vancouver Clinic
Deep understanding of the Oregon-Washington border dynamic — no Washington income tax, Portland metro access, and the financing considerations for buyers relocating from Oregon
Access to portfolio and non-QM programs for complex income profiles — including Oregon business owners, Portland-area executives, and self-employed professionals
Fast, transparent approvals with direct lender relationships
NMLS #235295
Financing above Clark County’s conforming loan limit of $832,750 for Vancouver’s upper-tier properties — Grand Vue and Ashley Heights in Felida, Old Evergreen Highway Columbia River estates, custom waterfront builds along the river corridor, and the most premium listings throughout Clark County that exceed the conforming ceiling.
Multi-million-dollar financing for Vancouver’s most exceptional waterfront and view properties — Columbia River waterfront estates, Old Evergreen Highway luxury homes with private docks, and the most significant custom builds in Felida’s gated communities. Portfolio loans, asset-based programs, and relationship-driven lending for buyers at the top of Clark County’s market.
Designed for physicians and healthcare professionals at PeaceHealth Southwest Medical Center, Legacy Salmon Creek Medical Center, Vancouver Clinic, and the growing network of Clark County medical practices. Zero-to-low down payment, no PMI, and flexible underwriting for student loan debt and new employment contracts.
Washington State levies no personal income tax, while Oregon’s top marginal rate is among the highest in the country. For professionals employed in Portland or across the Columbia River in Oregon, living in Vancouver means keeping meaningfully more of their paycheck while maintaining full access to Portland’s employment centers, culture, and amenities. This dynamic drives a consistent inflow of Oregon workers into Clark County’s housing market — many of whom arrive with Portland real estate equity and income profiles that require experienced lender handling.
The Columbia River is Vancouver’s defining geographic and luxury real estate feature. Waterfront homes and estate properties along the Old Evergreen Highway corridor — many with private docks, Columbia River views, and direct sight lines to the Portland skyline and Mount Hood — represent the highest concentration of multimillion-dollar real estate in Clark County. The combination of water access, dramatic views, and proximity to Portland’s urban amenities creates a residential tier unlike anything else in the Portland-Vancouver metropolitan area.
PeaceHealth — a nonprofit Catholic health system headquartered in Vancouver with approximately 16,000 caregivers and nearly 3,200 physicians across the Pacific Northwest — operates PeaceHealth Southwest Medical Center as its Columbia network flagship. Legacy Salmon Creek Medical Center serves the northern Vancouver and Salmon Creek area. Vancouver Clinic, the largest independent physician-owned multispecialty practice in the Northwest with more than 580 clinicians, adds depth to a healthcare employment base that draws physicians from across the region to practice in Southwest Washington.
Clark County's 2026 conforming loan limit is $832,750 for a single-family home — Washington's standard baseline. Loans above this threshold are considered Jumbo and are financed through private lenders outside agency guidelines.
Yes. Physician Mortgage programs allow 0-5% down, waive PMI, and treat student loan debt using actual income-based repayment figures. Physicians at PeaceHealth Southwest Medical Center, Legacy Salmon Creek, and Vancouver Clinic are among the most common borrowers served by these programs in Clark County.
A One-Time Close Construction Mortgage Loan combines land acquisition, construction financing, and permanent mortgage into a single loan with one set of closing costs. It converts automatically at completion — no second closing required. Works with all licensed builders active in Vancouver and throughout Clark County.
Yes. I serve buyers throughout Vancouver and Clark County — including Felida, Salmon Creek, Old Evergreen Highway, Columbia River corridor, Fisher's Landing, Esther Short, Cascade Park, Camas, Washougal, Ridgefield, Battle Ground, and all communities in between.
I’m here to support you every step of the way. If you’re ready to turn your home financing goals into your new 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/
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
SMS Privacy
I respect your privacy. I will not share or use your mobile number for any other purpose. I will only use information you provide to transmit text messages. Nonetheless, I reserve the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect my rights or property. When you complete forms online or otherwise provide me information in connection with the Service, you agree to provide accurate, complete and true information. You agree not to use a false or misleading name or a name that you are not authorized to use. If I, in my sole discretion, believe that any such information is untrue, inaccurate or incomplete, I may refuse you access to the Service and pursue any appropriate legal remedies.
Analytics tracking
Our website uses analytics tools such as Google Analytics to better understand how visitors interact with our site. These tools collect data through cookies and similar technologies, including information about on-site activity and, in some cases, IP addresses. We use this data to improve user experience, monitor performance, and track conversions. Visitors who prefer not to be tracked can opt out by using the Google Analytics opt-out browser add-on or other available opt-out methods.
