Hillsboro is home to Oregon’s largest master-planned community, and that distinction is not just a marketing claim — it reflects a decade of sustained construction activity that has fundamentally reshaped the city’s southern residential landscape. Reed’s Crossing, located off SW Tualatin Valley Highway near The Reserve Vineyards & Golf Club, has permitted over 3,000 homes since its first builders broke ground in 2018, with multiple builders active simultaneously across distinct price tiers. David Weekley Homes operates two series within the community — The Bridges Series, starting around $400,000 for townhome-scale configurations, and The Villas Series, from $530,990 to $651,179 for single-family detached homes on 29-foot homesites with open-concept plans and premium finishes. Lennar’s Everything’s Included program delivers move-ready homes in the mid-to-upper $500,000 range. Holt Homes brings Earth Advantage-certified sustainability to homes starting in the mid-$500,000s. Stone Bridge Homes NW delivers semi-custom, Earth Advantage-certified single-family homes from $770,000 to $800,000 — the premium tier of the community and among the highest-priced new construction in Washington County. Together, these builders are delivering a new home every few weeks in a community that still has significant land to develop.
Adjacent to Reed’s Crossing, the Witch Hazel Village corridor — which the City of Hillsboro brought into the Urban Growth Boundary in 2018 specifically to add housing capacity — continues to develop as builders acquire and build on sites that property owners have brought through annexation. Further north, the Orenco Station district continues to add infill townhomes and condominiums within its award-winning transit-oriented footprint. And throughout Northwest Hillsboro, private lots adjacent to Intel’s campuses occasionally become available for custom builds from local architects and builders serving the Silicon Forest executive market.
For buyers in any of these scenarios — production community, semi-custom community, or fully custom private build — the financing structure matters in ways that become clear only when the alternative is considered. A two-loan construction approach requires full re-qualification at conversion. For a Silicon Forest professional at a publicly traded company whose RSU vesting schedule, bonus income, and employment situation may have changed during the 6 to 18 month construction period, re-qualification is not a formality — it is a genuine risk. A One-Time Close Construction Mortgage Loan eliminates that risk: one qualification, one closing, one rate, one conversion.
A One-Time Close Construction Mortgage Loan combines construction financing and permanent end-loan financing into a single transaction. You qualify before construction begins, close once, and your loan converts automatically to a permanent mortgage when the certificate of occupancy is issued.
The three phases:
Construction Phase — After closing, funds are disbursed to your builder in draws as construction milestones are verified complete. You pay interest only on disbursed amounts during this period.
Conversion — When the certificate of occupancy is issued, the loan converts automatically to your permanent mortgage — no second application, no second appraisal, no re-qualification, no second closing costs.
Repayment Phase — You begin making standard principal and interest payments on your permanent mortgage.
Key Features:
Single closing — one set of closing costs, one qualification process
Rate locked at closing — protects against market movement through Hillsboro's 6 to 18 month build timeline
No re-qualification at conversion — protects Silicon Forest buyers whose equity income may fluctuate during the build period
Draw schedule coordinated with your builder's construction milestones
Available in conforming, jumbo, and physician program tiers
Applicable to Reed's Crossing production and semi-custom communities, Witch Hazel Village, and fully custom private lot builds
For buyers building in Reed’s Crossing’s David Weekley, Lennar, and Holt Homes tiers, Witch Hazel Village production builds, and other active Hillsboro communities at loan amounts within the 2026 Washington County conforming limit. Competitive terms, straightforward documentation, and proactive draw management.
For buyers commissioning Stone Bridge Homes NW builds at Reed’s Crossing ($770,000–$800,000 base), custom private lot builds in Northwest Hillsboro, and West Union estate projects where land plus construction exceeds the conforming limit. Higher documentation standards apply; we build the income and asset file specifically for your project, including RSU and bonus income analysis, and match the right portfolio lender to your loan characteristics.
For buyers working with custom architects and builders on private lots in Northwest Hillsboro, West Union, and other Washington County sites outside the Reed’s Crossing footprint. We work directly with the builder and design team to establish Oregon CCB licensing, confirm the draw schedule, and maintain milestone-to-disbursement alignment throughout construction.
For Kaiser Permanente Westside Medical Center physicians who want to build — in Reed’s Crossing, Witch Hazel Village, or on a private Hillsboro lot — rather than purchase existing inventory. Our physician One-Time Close program combines no-PMI physician loan features with construction financing in a single transaction. Offer letter qualification may be available for Kaiser Westside recruits who have signed an employment contract.
Reed's Crossing — David Weekley Homes: The Bridges Series
The Bridges Series by David Weekley Homes delivers townhome-style construction in Reed's Crossing from approximately $400,000, featuring innovative floor plans, quality craftsmanship, and access to Reed's Crossing's community amenities — The Greenway (23 acres of open space with play stations, a mini amphitheater, and The Discovery Zone), STEAM-focused neighborhood parks, trails, and planned community shopping. Recognized as the top builder in Portland, David Weekley homes in this series serve first-time and move-up buyers entering the Reed's Crossing community.
Reed's Crossing — David Weekley Homes: The Villas Series
The Villas Series steps up to single-family detached homes on 29-foot homesites, ranging from $530,990 to $651,179 at base pricing, with open-concept plans, main-floor living options, and customization through David Weekley's design process. The series appeals to technology professionals, growing families, and buyers who want detached single-family quality within Reed's Crossing's master-planned community framework.
Reed's Crossing — Stone Bridge Homes NW
Stone Bridge Homes NW delivers Reed's Crossing's premium tier with semi-custom, Earth Advantage-certified single-family homes from $770,000 to $800,000. Stone Bridge's founder Kelly Ritz built the company around semi-custom flexibility — buyers select from floor plans but have meaningful involvement in finishes, materials, and layout options. Stone Bridge has delivered Earth Advantage-certified homes in Portland, Forest Grove, Beaverton, Hillsboro, Tigard, Eugene, Central Oregon, and Clark County Washington, and its Reed's Crossing homes represent the Silicon Forest market's most premium new
construction offering in an amenity-rich master-planned setting.
Reed's Crossing — Lennar (Everything's Included)
Lennar's Everything's Included program delivers move-ready homes in Reed's Crossing with premium finishes already incorporated at no additional charge — granite or quartz countertops, stainless
appliances, smart home technology, and upgraded flooring — at pricing in the mid-to-upper $500,000s. For buyers who want the simplicity of a fully specified new home without navigating a design center process, Lennar's Reed's Crossing offering is a primary option.
Reed's Crossing — Holt Homes
Holt Homes at Reed's Crossing delivers Earth Advantage-certified new construction with flexible floor plans, fireplaces, quartz
countertops, and builder-backed warranties. Holt's focus on
sustainability and comfort positions the community near Kaiser Hospital and top Silicon Forest employers, with proximity to Tamarack Elementary, South Meadows Middle, and Hillsboro High School. Pricing starts at $500,000.
Witch Hazel Village and South Hillsboro Corridor
Witch Hazel Village — the 150-acre Urban Growth Boundary expansion brought online in 2018 — continues active development to the south of Reed's Crossing, with builders acquiring and building on newly annexed sites. As South Hillsboro's development pipeline matures, this corridor is delivering additional new construction options adjacent to The Reserve Vineyards & Golf Club and the Tualatin Valley Highway corridor.
One-Time Close expertise across conforming, jumbo, and physician program tiers
Established knowledge of Reed's Crossing's builder tiers — David Weekley, Stone Bridge, Lennar, and Holt Homes — and their respective draw timeline requirements
Rate lock at close — protects Silicon Forest buyers through Hillsboro's 6 to 18 month build timelines during which RSU vesting and income can fluctuate
RSU income re-qualification risk elimination — the primary financial protection for Intel, Genentech, and other equity-compensated borrowers building in Hillsboro
Physician One-Time Close for Kaiser Westside physicians building in Reed's Crossing or on private Hillsboro lots
Draw management throughout construction — we coordinate with your builder to ensure milestone-to-disbursement flow is consistent
Familiarity with Stone Bridge's semi-custom process and how it affects draw schedule structure
Ryan Lehrman, NMLS #235295
Credit: Minimum 680 for conventional programs; 700–720 for jumbo construction tiers
Income: Fully documented — W-2, Intel and Silicon Forest employer compensation with RSU and bonus, Kaiser Permanente physician employment agreements, and offer letters all considered by program tier
Down Payment: Typically 5%–10% for conforming; higher for jumbo; physician programs may allow lower down payments
Builder Requirements: Oregon CCB (Construction Contractors Board) license required; approved construction contract and verified draw schedule required before closing
For Intel employees and other technology professionals with RSU income, the re-qualification risk of a two-loan construction approach is not theoretical — it is real. If RSU grant sizes have changed since the initial qualification, if the bonus for the most recent year was below the two-year average, or if employment circumstances have shifted during the 6 to 18 month build period, a two-loan approach requires that new reality to be underwritten at conversion. A One-Time Close locks the rate and qualification at the start, eliminating that exposure entirely. For Silicon Forest buyers whose income profile is inherently variable at the equity component, this protection is the primary reason to choose the One-Time Close structure.
Yes. Our One-Time Close physician programs allow qualification on a signed Kaiser Permanente Westside Medical Center employment contract, with closing within 90 days of the employment start date. For a Kaiser recruit who has selected a Stone Bridge Homes or David Weekley floor plan in Reed's Crossing and wants to close on the construction loan concurrent with starting their clinical position, this structure enables exactly that coordination — one closing, before construction begins, aligned with the employment start.
In most cases, yes. If the buyer has not yet acquired the lot — common for private builds in Northwest Hillsboro and West Union — we can structure the construction loan to cover both the land acquisition and construction costs in a single transaction. This is particularly relevant for Silicon Forest executives commissioning custom builds on West Union agricultural parcels or private lots in Northwest Hillsboro's established corridors.
Stone Bridge's semi-custom approach involves more buyer decision points during the build process than a pure production build, which can occasionally affect the timeline between milestones. We work directly with Stone Bridge's construction team at the start of the project to establish a draw schedule that accurately reflects their build sequence — including any design decision windows that could affect milestone timing — so that disbursements align with verified progress and the builder is funded consistently throughout construction.
Building your new home in Hillsboro starts here. Let’s talk through your builder, your site, and your timeline.
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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