West Valley City has one of the most active new construction pipelines in Salt Lake County. Woodside Homes, EDGEhomes, Lennar, D.R. Horton, and Ivory Homes are all actively building in the city’s western corridors — delivering modern, energy-efficient floor plans with mountain views, well-rated schools, and proximity to freeway access that puts the entire valley within reach. For buyers who want to build with a national builder or configure a new home from the ground up, a One-Time Close Construction Loan is the most efficient financing tool available: one closing, one rate lock, and automatic conversion to permanent financing the moment your home is complete.
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 home site within a West Valley City new construction community or on a standalone parcel
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 West Valley City builders
Available at Jumbo-level amounts for upper-tier builds
30–45 day closing timeline for qualified borrowers pre-construction
For builds in the $400K-$806,500 range — covering the majority of West Valley City's new construction market
Fixed or adjustable permanent rate options
Works with Woodside Homes, EDGEhomes, Lennar, D.R. Horton, and other active West Valley City builders
Physician-friendly versions available with 0-5% down and no PMI
For builds above $806,500 — Ivory Homes' largest West Ridge floor plans and fully configured Sky Ranch estates
Portfolio and non-QM options for complex income profiles
Financing aligned with premium new construction timelines in West Valley City
For buyers working with a licensed custom builder outside of a national builder community
Covers land purchase and construction in a single transaction
Suited to custom ramblers, infill builds, and ADU-equipped properties in established West Valley neighborhoods
Ivory Homes — West Ridge Golf Course — West Valley City's most prominent luxury new construction development, with 164 homes adjacent to West Ridge Golf Course. Floor plans from 2,706 to 6,602 square feet — the largest available in the city. Ivory Homes is Utah's largest privately-held homebuilder, with a strong track record and a well-established One-Time Close construction financing process.
Woodside Homes — Sky Ranch (The Cascade and The Boulder) — Woodside Homes delivers well-crafted 4- and 5-bedroom floor plans in two active West Valley City communities. The Alta (2,564 sq ft, from $675,990) and Sycamore (1,902 sq ft, from $616,990) plans are strong options for buyers who want modern construction with quality finishes at prices that remain accessible within Salt Lake County.
EDGEhomes — Solari — EDGEhomes' newest West Valley City community features modern single-family homes blending style, comfort, and energy-efficient design. Solari is positioned in the heart of Salt Lake County with easy freeway access and mountain views.
Lennar — Lennar is an active builder in the West Valley City area, offering standardized floor plans with included features and simplified purchasing processes — a strong option for buyers who want new construction with minimal decision complexity.
D.R. Horton — D.R. Horton delivers entry-level to mid-range new construction in West Valley City, including Smart Home packages and builder incentives for preferred lender transactions. Ideal for first-time buyers and early-career physicians who want a new home at an accessible price point.
Experienced in One-Time Close Construction financing with all major builders active in West Valley City
Physician One-Time Close programs available for residents and new attendings building in the city
Knowledge of builder timelines, draw processes, and new construction lending requirements for all active WVC communities
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. All major national builders active in West Valley City are readily approvable.
Construction Plans and Budget — National builder purchases are straightforward — the builder's standard contract and specifications typically satisfy lender documentation requirements. Custom builds require full plans, permits, and a detailed budget.
Strong Borrower Profile — Income, credit, and reserve requirements are similar to a standard conforming or Jumbo purchase loan, depending on the build size.
Realistic Timeline — West Valley City production home builds typically run 6-10 months for national builders. One-Time Close loans are structured to accommodate these timelines.
Pre-Qualification — Review your income, assets, builder, and community to identify the right program.
Builder Approval — Your West Valley City builder is reviewed and approved as part of underwriting. National builders require minimal additional documentation.
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. Ivory Homes and Woodside Homes are nationally recognized builders readily approvable under One-Time Close construction loan guidelines. I work with their build timelines and documentation requirements regularly.
A traditional construction loan 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 permanent rate upfront, and converts automatically at completion.
Yes. Physician One-Time Close programs are available — allowing qualifying medical professionals to build a new home with as little as 0-5% down and no PMI, even on construction loan amounts.
Most national builder homes in West Valley City are completed in 6-10 months. One-Time Close loans are structured to accommodate these standard production timelines.
Building your new home in West Valley City starts here. Let’s talk through your builder, your community, 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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