Chandler’s ultra-luxury real estate tier is more substantial than most people expect. The Oakwood Hills corridor, south Chandler’s large-acreage properties, and the most exclusive homes in Ocotillo and The Island push well past $2M — and some of the city’s most spectacular custom estates reach $3M to $5M+. These transactions require a different level of financing expertise: asset-based qualification programs, portfolio lenders, and a lender who is accustomed to working with high-net-worth borrowers who don’t always fit a conventional mold.
I specialize in Super-Jumbo mortgage financing for Chandler’s most discerning buyers — offering discreet, personalized service from first consultation through closing, with access to the programs that traditional banks simply don’t offer.
A Super-Jumbo mortgage typically refers to loans of $1.5 million and above — well beyond the Maricopa County conforming limit of approximately $806,500 and above the standard Jumbo threshold. In Chandler, this covers the most exclusive tier of Ocotillo and The Island waterfront estates, the largest custom homes in Circle G Ranches and Whitewing, and the bespoke properties emerging from south Chandler’s large-acreage corridor.
These loans are held in a lender’s own portfolio rather than sold to government agencies — which creates meaningful flexibility for the right borrower, but requires a comprehensive review of your complete financial picture.
Key Features:
Loan amounts from $1.5M to $10M and above
Asset-based and portfolio loan programs
Alternative documentation for complex income structures
Discreet, high-touch service for UHNW clients
Primary residences, second homes, and investment properties
Flexible terms tailored to your individual profile
Loans from $1.5M to $5M and beyond
Held in lender portfolio — more flexible underwriting
Ideal for high-net-worth buyers with complex, variable, or equity-based income
Primary and secondary residences throughout Chandler
Customized rate and term structures
Qualify using investment, retirement, or liquid assets
No traditional income documentation required
Ideal for executives, business owners, and retirees with strong balance sheets
Covers primary, secondary, and investment properties in Chandler
Super-Jumbo financing for estate-scale custom builds in south Chandler
Land acquisition, construction, and permanent financing in one transaction
One-Time Close options available for qualifying projects and borrowers
Oakwood Hills — A prestige Chandler address delivering the city's most expansive estate homes. The $3M+ properties here offer resort-scale square footage, multi-car garages, custom pools and outdoor living, and a level of finish and privacy rarely available in the broader Chandler market.
The Island at Ocotillo — The most exclusive enclave within Chandler's already-prestigious Ocotillo community. Gated lake-access estate homes with sunset-facing water views — inventory is scarce and prices reflect that. The top homes here comfortably reach Super-Jumbo territory.
Circle G Ranches — Airpark Estates — Chandler's most distinctive luxury addresses. Large-lot estate homes on irrigated land with private airplane hangars and direct runway access. This niche — found nowhere else in the Phoenix metro at this scale — attracts ultra-high-net-worth buyers who require lenders accustomed to unique property types.
South Chandler Large-Acreage Parcels (85249) — Several multi-acre parcels remain available in south Chandler's agricultural corridor, some listed at $2M to $4.6M for land alone. These sites are being transformed into bespoke custom estates by buyers who demand something no production builder can offer.
Whitewing — Upper Tier Custom Builds — The most ambitious homes within Whitewing's architectural-guideline community exceed $2M for the largest custom builds on premier lots, particularly those with golf course frontage or expansive outdoor living areas.
Specialized expertise in complex, multi-million-dollar loan structures
Access to portfolio and asset-based programs not available through traditional banks
Discreet, high-touch service for UHNW clients including tech executives and business owners
Deep knowledge of Chandler's ultra-luxury market, including unique property types like airpark estates
20+ years of Arizona mortgage experience with a track record in high-stakes transactions
Super-Jumbo qualification is highly individualized. Every client is reviewed holistically — these are directional benchmarks, not rigid rules.
Substantial Net Worth or Assets — Asset-based programs can use investment portfolios, retirement accounts, real estate equity, or other substantial assets — ideal for Chandler tech executives whose wealth is concentrated in stock, options, or business equity.
Strong or Complex Income — W-2, RSU and stock compensation, business ownership, consulting, or a combination — I work across diverse income structures common in Chandler's tech and financial sector.
Exceptional Property Profile — The property itself matters in Super-Jumbo underwriting. Custom appraisals and property-specific review are part of every transaction at this level.
Discretion and Privacy — Many Super-Jumbo clients prefer limited third-party involvement. I operate with confidentiality as a priority from first consultation through closing.
Confidential Consultation — A private conversation to understand your financial profile, property goals, and timeline.
Program Identification — I identify the best portfolio, asset-based, or alternative documentation program for your situation.
Documentation & Underwriting — A thorough, efficient process for complex borrower profiles and high-value Chandler properties. 4. Approval & Terms — Personalized rate and term structure, reviewed in detail before you commit.
Closing & Funding — Smooth, on-time closing for your Chandler ultra-luxury property.
Super-Jumbo loans generally begin at $1.5 million. In Chandler, this covers the top tier of Ocotillo and The Island, the airpark estates of Circle G Ranches, and the large-acreage custom builds of south Chandler's 85249 corridor.
Yes. RSUs, stock options, and bonus compensation from Chandler's major tech employers can be factored into qualifying income under the right programs. I work with borrowers to document and present their total compensation structure — this is a scenario I encounter regularly in Chandler's tech-heavy luxury market.
Yes. Unique property types including airpark estates with private hangars and runway access are eligible. Underwriting includes a thorough property-specific review given the non-standard nature of these homes, but I work with clients on these scenarios regularly.
Super-Jumbo closings typically require 45–60 days due to the complexity of underwriting, custom appraisals, and documentation review. I work to streamline the process without sacrificing thoroughness.
Discretion is a priority throughout. I limit unnecessary third-party involvement, communicate securely, and work with a small, trusted team — the same level of confidentiality clients would expect from any senior professional advisor.
Ultra-luxury financing deserves an ultra-personalized approach. Schedule a confidential consultation and let’s discuss what’s possible.
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.
