Mesa is one of the most active new construction markets in the entire Phoenix metro. Northeast Mesa’s 85207, 85212, and 85215 zip codes are producing everything from $500K production homes by national builders to $7M fully custom estates by boutique luxury firms — and the pace shows no signs of slowing. If you’re ready to build rather than buy, a One-Time Close Construction Loan is the most efficient path forward — combining land acquisition, construction financing, and permanent mortgage into a single transaction with one set of closing costs.
I specialize in helping Mesa homebuyers navigate the construction loan process with clarity, efficiency, and confidence. One closing. One loan. One dedicated point of contact from lot purchase through move-in.
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 Mesa lot, whether in northeast Mesa, Las Sendas, or a custom build corridor throughout the East Valley
Construction Phase — Draw-based financing released as your builder hits 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 shifts during the build, and significantly 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 Mesa 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 Eastmark, Cadence, southeast Mesa, and new build communities throughout the East Valley
New primary residence builds with approved licensed builders
For luxury custom builds above the $806,500 Maricopa County conforming limit
Ideal for northeast Mesa's 85207 corridor, Las Sendas custom lots, and Thunder Mountain Estates builds
Portfolio and non-QM options for complex income profiles
Financing aligned with the scale and timeline of high-end East Valley construction
Designed for Mesa-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 Desert, Banner Heart, or other Mesa health systems who want to build rather than buy
Northeast Mesa (85207) — Mesa's premier custom build corridor. Boutique luxury builders are delivering 7,000–9,500+ square-foot estate homes on prominent lots with mountain and city light views — properties that define the upper limit of the East Valley luxury market. New construction here regularly ranges from $3M to $7M+, making this the most active Jumbo construction zone in the city.
Las Sendas Custom Lots — Available within the established Las Sendas master-planned community, custom lot opportunities allow buyers to build within one of Mesa's most recognized addresses — with access to Las Sendas Golf Club, resort-style pools, hiking trails, and top-tier amenities built into the community.
Eastmark — Mesa's most ambitious master-planned development, spanning 3,200 acres in southeast Mesa near Gilbert. Eastmark's active new construction scene features multiple builders and price points, with community infrastructure including the award-winning Great Park, top-rated schools, and easy freeway access.
Cadence at Gateway — A newer master-planned community in east Mesa near Phoenix-Mesa Gateway Airport, featuring contemporary new construction by Tri Pointe Homes and other national builders with a strong community identity and resort-style amenities.
Thunder Mountain Estates — Custom lots within this exclusive 98-home enclave represent one of Mesa's rarest build opportunities. Large-lot desert estate construction with mountain views and ultimate privacy in a gated setting. Builds here require Jumbo or Super-Jumbo One-Time Close financing.
Experienced in construction-to-permanent financing across Mesa's diverse build landscape
Jumbo and Super-Jumbo construction loan programs for northeast Mesa and estate-scale builds
Draw management expertise to keep your build on schedule and on budget
Familiarity with Mesa's most active builders — Ashton Woods, David Weekley, Tri Pointe, Woodside Homes, and custom luxury firms
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 to ensure their builder documentation meets program requirements.
Detailed Construction Plans — Lenders require full architectural plans, building permits, and a construction budget. For luxury Tucson builds, custom appraisals are completed based on the finished value of the planned home.
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 Mesa 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 the build phase.
Pre-Qualification — We review your income, assets, target lot, and build plans to identify the right program and loan structure.
Builder Approval — Your licensed Mesa-area builder is reviewed and approved as part of the underwriting process.
Single Closing — One closing covers land, construction financing, and permanent loan — before a single nail is driven.
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 Mesa 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.
No. One-Time Close loans can cover both the land purchase and construction in the same transaction. If you already own the lot — as is common with buyers in Las Sendas or Thunder Mountain Estates — that equity is factored into your financing structure.
Yes. Many national builders are pre-approved or easily approvable through construction loan underwriting. I work with borrowers and their chosen builders to ensure documentation meets program requirements.
Construction timelines and budgets shift — it's a normal part of the process. We build contingency buffers into the financing structure upfront, and I stay in close contact with your builder throughout the draw process to identify and manage any issues early.
Yes. Jumbo One-Time Close programs are available for luxury builds in northeast Mesa, Las Sendas, Thunder Mountain Estates, and beyond — where construction costs and land values routinely push total project costs above the $806,500 conforming limit.
Building your custom home in Mesa starts with the right financing foundation. Let’s talk through your lot, 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.
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.
