A One-Time Close Construction Loan — sometimes called a Construction-to-Permanent loan — combines three phases of financing into a single loan product:
Land Acquisition — Financing for the purchase of your Gilbert lot, whether an agricultural parcel in south Gilbert, a custom lot within a gated community, or a large-acreage property elsewhere in the area
Construction Phase — Draw-based financing released as your builder reaches defined project milestones throughout the build
Permanent Mortgage — Automatic conversion to your long-term home loan upon completion — no second closing, no re-qualification, no additional closing costs
Unlike traditional two-close construction financing, a One-Time Close loan locks your interest rate at origination, protects you from market fluctuations during the build, and dramatically reduces the complexity and cost of getting into your finished home.
Key Features:
Single closing — one set of closing costs
Rate locked at origination for the life of the loan
Interest-only payments during construction phase
Automatic conversion to permanent financing at completion
Draw management support throughout the build
Available at Jumbo-level amounts for Gilbert luxury builds
30–45 day closing timeline for qualified borrowers pre-construction
For builds in the $500K–$1.5M range
Fixed or adjustable permanent rate options
Applicable to Power Ranch, Morrison Ranch, Higley corridor, and growing south Gilbert communities
New primary residence builds with approved licensed builders
For luxury custom builds above the $806,500 Maricopa County conforming limit
Ideal for south Gilbert agricultural parcels, Weston Ranch custom lots, and Cordova Estates builds
Portfolio and non-QM options for complex income profiles
Financing aligned with the scale and timeline of high-end desert estate construction
Designed for Gilbert-area medical professionals building a primary residence
Low-to-zero down payment with no PMI
Student loan flexibility in underwriting
Ideal for physicians joining Banner Gateway or Mercy Gilbert who want to build rather than buy
South Gilbert Agricultural Corridor (85297/85298) — Gilbert's most exciting and distinctive build opportunity. Irrigated lots of one acre or more — many with water rights, mature landscaping, and established infrastructure — are being purchased and developed into custom estates unlike anything else in the East Valley. These large-parcel builds often range from $2M to $7M+ in total project cost, making Jumbo One-Time Close Construction financing essential.
Weston Ranch Custom Lots — Available within this prestigious gated community, custom lot opportunities allow buyers to build within one of Gilbert's most coveted enclaves — with community amenities, privacy, and a neighborhood identity already established.
Cordova Estates — Half-acre and larger lots within this gated luxury community support custom home builds with the kind of yard space rarely available in newer Gilbert developments. Popular with buyers who want new construction with genuine outdoor living space.
San Tan Estates / Legend Ridge — Located in the southeastern part of Gilbert near the San Tan Mountains, these secluded communities offer custom lot opportunities with easy access to outdoor recreation, top-rated schools, and a serene atmosphere that distinguishes them from denser East Valley options.
North Gilbert Growth Corridors — Gilbert's expanding northern boundaries are seeing new community infrastructure and builder activity, with opportunities for custom and semi-custom construction at more accessible price points than the agricultural south.
Experienced in construction-to-permanent financing across Gilbert's diverse build landscape
Jumbo and Super-Jumbo construction loan programs for south Gilbert agricultural estate builds
Deep understanding of the unique underwriting considerations for irrigated lots and agricultural parcels
Draw management expertise to keep your build on schedule and on budget
Single point of contact from land purchase through move-in
20+ years of Arizona mortgage experience — NMLS #235295
Qualified Builder Required — Your builder must be licensed, insured, and approved through the loan underwriting process. I work with borrowers upfront to ensure their builder documentation meets program requirements.
Detailed Construction Plans — Lenders require full architectural plans, building permits, and a construction budget. For luxury Gilbert builds — especially on agricultural parcels — custom appraisals are completed based on the planned finished value.
Strong Borrower Profile — Income, credit, and reserve requirements are similar to a standard Jumbo or conforming purchase loan, depending on the build size and program.
Realistic Timeline — Most custom home builds run 9–18 months. One-Time Close loans are structured with this in mind — interest-only payments during construction protect your cash flow throughout.
Pre-Qualification — We review your income, assets, target parcel, and build plans to identify the right program and structure.
Builder Approval — Your licensed Gilbert-area builder is reviewed and approved as part of the underwriting process.
Single Closing — One closing covers land, construction financing, and permanent loan — before construction begins.
Construction Draws — As your builder reaches milestones, funds are released through a structured draw process. I coordinate throughout to keep things moving.
Completion & Conversion — Once your Gilbert custom home is complete, the loan automatically converts to your permanent mortgage. No second closing, no re-qualification.
Traditional construction loans require two separate closings — one for construction financing and one for the permanent mortgage — each with its own costs, rate negotiation, and qualification process. A One-Time Close loan eliminates the second closing entirely, locks your permanent rate upfront, and converts automatically at completion.
Yes. Irrigated agricultural lots and large-parcel rural properties are eligible, though underwriting considers the property type, utilities, access, and comparable finished values in the area. I work with borrowers on these unique build scenarios regularly — they're one of Gilbert's most compelling opportunities.
No. One-Time Close loans can cover both the land purchase and construction in a single transaction. If you already own your Gilbert lot, that equity is factored into the financing structure.
Construction timelines and budgets shift — it happens. We build appropriate contingency buffers into the financing structure, and I stay in close contact with your builder throughout the draw process to identify and manage issues early.
Yes. Jumbo One-Time Close programs are available for luxury builds in south Gilbert, Weston Ranch, Cordova Estates, and beyond — where land costs and construction budgets routinely push total project costs above the $806,500 conforming limit.
Building your custom home in Gilbert starts with the right financing foundation. Let’s talk through your land, your builder, and your vision — and build a loan structure to match.
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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