New construction is one of the most active segments of Spokane’s housing market. The South Hill continues to see significant builder activity — Paras Homes’ Trickle Creek community is in its final phases, with Glennaire atop Browne’s Mountain offering some of the most dramatic view lots remaining on Spokane’s premier residential ridge. Sekani West, Valley Springs, and other active communities across the Spokane metropolitan area deliver production and
semi-custom homes to buyers who want new construction without the complexity of a fully custom build. And at the top of the market, the Ridge at Hangman’s acreage lots and the South Hill’s most coveted custom parcels attract buyers who want to build exactly what they want on a site that can’t be replicated.
For all of these buyers, a One-Time Close Construction Mortgage Loan is the most efficient path to their new home. One closing before the build begins, one set of costs, a rate locked at origination, and automatic conversion to permanent financing when the home is ready for occupancy. No second application when the build is done, no risk that the rate environment has moved during a 6- to 12-month Spokane construction cycle.
I offer One-Time Close Construction financing for Spokane builds across all price tiers — from production homes in Spokane’s active suburban communities to estate-scale custom builds in the Ridge at Hangman and on the South Hill’s premier view lots.
A One-Time Close Construction Loan — sometimes called a Construction-to-Permanent loan — combines three phases of financing into a single loan product:
Land or Lot Acquisition — Financing for your homesite, whether a lot in an active Spokane new construction community or a standalone parcel throughout Spokane County
Construction Phase — Draw-based financing released as your builder hits defined milestones throughout the build
Permanent Mortgage — Automatic conversion to your long-term home loan at 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 — protecting you from rate movement during a build that may take 6 to 12 months — and eliminates the administrative burden and cost of a second closing.
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
Works with all licensed Spokane and Spokane County builders
Available at Jumbo-level amounts for upper-tier builds
30–45 day closing timeline for qualified borrowers pre-construction
For builds in the conforming range up to $832,750 (Spokane County limit)
Fixed or adjustable permanent rate options
Works with all active Spokane County production and semi-custom builders, including Paras Homes communities
Physician-friendly versions available with 0-5% down and no PMI
For builds above $832,750 — Ridge at Hangman estates, South Hill view lot custom builds, and upper-tier custom construction throughout Spokane County
Portfolio and non-QM options for complex income profiles
Extended construction timelines accommodated
For buyers working with a licensed custom builder on a private parcel, acreage lot, or view site
Covers land purchase and construction in a single transaction
Suited to homes designed around South Hill panoramas, Palouse views, Latah Valley settings, or Ridge at Hangman's creek and bluff terrain
Trickle Creek — Paras Homes' flagship South Hill community is in its sixth and final phase, offering cul-de-sac lots with views and privacy on the edge of the Glenrose Prairie. The community's combination of country feel and proximity to South Hill amenities and downtown has made it one of Spokane's most consistently popular new construction neighborhoods. Production and semi-custom builds here range from ranchers to two-story homes, with upper-tier builds reaching into Jumbo loan territory.
Glennaire — A boutique Paras Homes community atop Browne's Mountain with 16 lots ranging from 13,000 to 25,000 square feet. Elevated view lots with sweeping territorial views and the privacy of a small, curated community. All floor plan types are available — the combination of view, lot size, and construction quality positions Glennaire builds toward the upper end of Spokane's new construction market.
Sekani West — A D.R. Horton community offering spacious open-plan homes from 1,700 to 2,500 square feet with the builder's standard smart home package. Basements available in select homes. A production-build option for buyers who want a new home with modern features at Spokane's mainstream price tier.
The Ridge at Hangman — Spokane's premier gated community in the Latah Valley south of downtown, where every home is a custom-built property on parcels from one to ten or more acres. Buyers who acquire a Ridge at Hangman lot and build custom are working at the top of Spokane County's residential market. Jumbo One-Time Close programs are the standard financing tool for these builds, and the longer construction timelines typical of acreage estate builds are accommodated.
Suburban Communities — Active new construction extends throughout the Spokane metropolitan area, including communities in Spokane Valley, Liberty Lake, Mead, Colbert, and Cheney. Valley Springs in Spokane Valley offers a new private gated community with proximity to both downtown Spokane and Coeur d'Alene. Production and semi-custom builds in these suburban markets are well-suited to standard One-Time Close programs within the Spokane County conforming limit.
Experienced in One-Time Close Construction financing with production, semi-custom, and fully custom builders throughout Spokane County
Knowledge of Spokane's active new construction communities — Trickle Creek, Glennaire, Sekani West, Valley Springs, Ridge at Hangman, and suburban communities throughout the metropolitan area
Jumbo One-Time Close programs for Ridge at Hangman, South Hill view lot, and other upper-tier Spokane custom builds
Physician One-Time Close programs available for healthcare professionals building in Spokane County
VA One-Time Close programs for eligible veterans connected to Fairchild Air Force Base and the Spokane military community
Single point of contact from lot selection through move-in
20+ years of experience — NMLS #235295
Qualified Builder Required — Your builder must be licensed, insured, and approved through the loan underwriting process. National and regional builders active in Spokane's communities are readily approvable; custom builders require additional credentialing documentation.
Construction Plans and Budget — Production and semi-custom builder purchases use standard contracts. Custom builds at the Ridge at Hangman, Glennaire, or on standalone parcels require full plans, permits, and a detailed budget before underwriting.
Strong Borrower Profile — Income, credit, and reserve requirements align with the appropriate conforming or Jumbo program tier depending on build cost. Asset depletion programs available for California and Western Washington relocators and retirees with portfolio income.
Realistic Timeline — Production homes in Spokane County typically run 6-10 months. Custom builds at the Ridge at Hangman, Glennaire, and other complex sites run 10-18 months. One-Time Close programs are structured for both.
Pre-Qualification — Review your income, assets, builder, and community to identify the right program.
Builder Approval — Your Spokane County builder is reviewed and approved as part of underwriting.
Single Closing — One closing covers lot, construction financing, and permanent loan — before a single foundation is poured.
Construction Draws — Funds released as your builder reaches milestones. I coordinate with the builder throughout.
Completion & Conversion — Your loan converts automatically at completion. No second closing. No re-qualification.
Yes. Jumbo One-Time Close programs cover estate-scale custom builds at the Ridge at Hangman, including land acquisition and construction in a single loan with rate locked at origination. These programs accommodate the longer build timelines typical of acreage estate construction.
Traditional construction financing requires two closings — one before construction and one at completion — each with its own costs and qualification process. A One-Time Close loan eliminates the second closing, locks your rate upfront, and converts automatically at completion. In a market where build timelines run 10-18 months, rate protection is a substantial financial benefit.
Yes. Physician One-Time Close programs allow qualifying healthcare professionals to build in Spokane and throughout Spokane County with as little as 0-5% down and no PMI, including in Jumbo loan size ranges.
Yes. VA One-Time Close Construction loans are available to eligible veterans and active-duty service members for new construction in Spokane and throughout Spokane County — with no down payment required. This is a meaningful option for the significant veteran and military family population in the Spokane area.
Building your new home in Spokane 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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