West Valley City is Utah’s second-largest city — and one of its most strategically positioned. Nestled in the heart of the Salt Lake Valley between the Wasatch and Oquirrh mountain ranges, West Valley City puts residents within 10 minutes of downtown Salt Lake City, 15 minutes of Salt Lake International Airport, and 20 minutes of Silicon Slopes — with I-215, I-15, and Bangerter Highway providing unmatched freeway access throughout the valley. It is also Utah’s most diverse city, with a vibrant cultural scene, major employers including Discover Financial Services and Metrodora Institute, and an active new construction market that includes luxury communities next to West Ridge Golf Course and the Woodside Homes Sky Ranch corridor.
For buyers moving into West Valley City’s upper price tier, Jumbo financing is increasingly relevant as the city’s western new
construction communities push toward and past $806,500. For physicians commuting to nearby University of Utah Health or Intermountain Health campuses, Physician Mortgage programs offer an ideal path to
homeownership. And for buyers building in one of the city’s active new construction communities, One-Time Close Construction loans deliver the simplicity and rate certainty that a competitive market demands.
20+ years of experience serving Utah borrowers across Salt Lake County and the Wasatch Front
Knowledge of West Valley City's upper-tier new construction communities — West Ridge, Westridge, Sky Ranch, and Solari
Specialization in Jumbo, Super-Jumbo, Physician, and One-Time Close Construction loans
Personalized guidance for physicians commuting to University of Utah Health, Intermountain Health, and Metrodora Institute
Access to portfolio and non-QM programs for complex financial profiles
Fast, transparent approvals with direct lender relationships
NMLS #235295
Financing above Salt Lake County’s conforming loan limit of $806,500 for West Valley City’s upper-tier new construction homes — in the West Ridge corridor, Ivory Homes luxury developments, and Woodside Homes Sky Ranch communities where the most expansive floor plans approach and exceed the conforming threshold.
Multi-million-dollar financing for the most exceptional custom homes and luxury properties in and around West Valley City. Asset-based programs and portfolio loans for buyers at the top of the market.
Designed for physicians at University of Utah Health, Intermountain Health, Metrodora Institute, and the growing network of Salt Lake Valley medical practices accessible from West Valley City. Zero-to-low down payment, no PMI, and flexible underwriting that accounts for student loan debt.
West Valley City’s location at the center of the Salt Lake Valley means its residents have shorter commutes than almost any other city in the region. Downtown Salt Lake City is 10 minutes away. Salt Lake International Airport and surrounding employers are 15 minutes west. Silicon Slopes tech companies in Draper and Lehi are 20-25 minutes south. The TRAX light rail provides car-free commuting to the University of Utah and downtown. This centrality makes West Valley City an ideal base for dual-income households working across multiple valley employment centers — and drives consistent demand for all price points of housing.
West Valley City’s western neighborhoods are home to an active new construction pipeline with Woodside Homes’ Sky Ranch communities (the Alta and Sycamore plans from $617K to $676K+), EDGEhomes’ Solari development, and Ivory Homes’ luxury development adjacent to West Ridge Golf Course — 164 homes with floor plans from 2,706 to 6,602 square feet. The largest and most upgraded of these homes push toward or past the $806,500 conforming limit, making Jumbo knowledge increasingly relevant in this market.
Discover Financial Services, one of West Valley City’s largest employers, anchors a corporate base that drives steady demand for quality housing. Metrodora Institute — a pioneering neuroimmune health clinic and research institute that leased 53,654 square feet in West Valley City in 2022 — represents the city’s growing presence in the biotech and life sciences space. Intermountain Healthcare is also listed among the city’s major employers, making West Valley City a practical choice for healthcare professionals working across the valley.
West Valley City is genuinely Utah’s most diverse municipality, with residents from dozens of countries and a restaurant and cultural scene that is unlike anywhere else in the state. The Utah Cultural
Celebration Center hosts events year-round. Utah First Amphitheatre (formerly USANA Amphitheatre) brings major national touring acts. The Maverik Center hosts Utah Grizzlies hockey and major concerts. For buyers who want Salt Lake Valley affordability with a vibrant, cosmopolitan character, West Valley City is a compelling destination.
In Salt Lake County, loans exceeding $806,500 are considered Jumbo. While most West Valley City transactions fall below this threshold, the upper tier of new construction — particularly in the West Ridge corridor and Woodside Homes Sky Ranch — approaches and occasionally exceeds the conforming limit.
Yes. Physician Mortgage programs allow 0-5% down, often waive PMI, and account for student loan debt. West Valley City's central location makes it a practical choice for physicians at University of Utah Health, Intermountain Health, and other Salt Lake Valley medical institutions.
A One-Time Close Construction Loan combines land acquisition, construction, 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 West Valley City.
Yes. I serve buyers throughout West Valley City — including Granger, Hunter, Westridge, Oquirrh Shadows, and the western new construction corridors near West Ridge Golf Course and Sky Ranch.
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.
