Hillsboro’s super-jumbo market is narrow and driven by a specific buyer profile that exists nowhere else in Oregon with the same concentration: senior Intel executives, Genentech research directors, and C-suite technology leaders whose compensation — accumulated over 15 to 25 years of Silicon Forest employment — has reached a level where the most premium properties in Washington County are within reach. At Intel’s peak Oregon employment of approximately 23,000 workers, the compensation structure for senior principals, fellows, and vice presidents included base salaries in the mid-to-upper six figures, annual RSU grants representing significant additional income, executive retention awards, and in many cases deferred compensation through Intel’s non-qualified deferred compensation plan. Even after the 2025 restructuring reduced Oregon headcount to approximately 18,000, the senior professionals who remain — and who are the most likely to pursue Hillsboro’s upper-tier market — represent a concentrated pool of high-net-worth technology buyers whose financial profiles require sophisticated handling.
The properties that attract super-jumbo financing in Hillsboro are equally specific. West Union — the rural residential corridor north of Hillsboro where large-lot agricultural and residential parcels create an estate setting within 10 minutes of Intel’s Ronler Acres campus — produces the area’s most distinctive high-value residential real estate. Estate properties on one to ten acres with custom residential improvements, views of the Coast Range and Tualatin Valley, and the privacy of genuine rural Washington County can reach $1.5 million to over $2 million when land value and build quality are considered together. At the top of Northwest Hillsboro’s established corridor, custom-built executive homes on premium lots also reach into super-jumbo territory. And for Intel’s most senior retained professionals — fellows, vice presidents, and technology directors who have accumulated 20-plus years of equity compensation — the Reserve Vineyards & Golf Club area and its adjacency to Reed’s Crossing’s premium tier offers a lifestyle and residential setting worth financing at whatever level is required. At Loans by Lehrman, these are transactions we handle with the discretion and analytical depth they deserve.
A super-jumbo mortgage in Hillsboro is a non-conforming loan exceeding $2 million — well above the 2026 Washington County conforming limit of $832,750. These loans are portfolio-held, manually underwritten, and structured around the borrower’s complete financial profile.
Hillsboro super-jumbo borrowers typically present with:
Long-term technology sector employment with accumulated RSU grants, deferred compensation, and Intel equity positions that represent significant total wealth
High base salaries in the mid-to-upper six figures combined with executive bonus, retention award, and profit-sharing structures
Significant investment portfolios and 401(k) accumulations reflecting decades of Silicon Forest employment
Possible business ownership interests in technology startups or semiconductor-adjacent companies
Desire for discretion throughout the transaction — executive-level employees at publicly traded companies have specific professional sensitivities around real estate transactions
For large-lot estate purchases in West Union and the rural Washington County corridor north of Hillsboro, where land value, custom build specifications, and privacy combine to produce high total values, we access portfolio programs designed for Pacific Northwest executive residential transactions.
For Hillsboro technology professionals — retired Intel fellows, former Genentech research directors, and other high-net-worth Silicon Forest alumni whose documented liquid and semi-liquid assets substantially exceed their current annual earned income — asset depletion programs convert portfolio and retirement account balances to qualifying monthly income. Intel 401(k), deferred compensation accounts, and ESOP balances are generally documentable for this purpose.
For active Intel vice presidents, principal engineers, Intel Fellows, Genentech directors, and other technology executives whose total compensation package includes base salary, annual equity grants, executive bonuses, long-term incentive plans, and deferred
compensation, we develop documentation strategies that accurately present annual total compensation — not just base salary — to portfolio lenders who underwrite super-jumbo loans manually.
For technology executives commissioning custom builds on West Union agricultural parcels, Northwest Hillsboro premium lots, or Reserve Vineyards-adjacent acreage in South Hillsboro, our
construction-to-permanent super-jumbo program closes once, funds in draws, and converts to a permanent mortgage at completion without re-qualification through a 12 to 18 month build cycle.
West Union — Estate Parcels and Rural Washington County
West Union Road and the surrounding agricultural landscape north of Hillsboro represent Washington County's most distinctive estate residential setting. Large-lot parcels — one acre to ten or more — with custom residential improvements, Coast Range and Tualatin Valley views, and genuine rural privacy sit within a 10-minute drive of Intel's Ronler Acres campus and a 20-minute drive of Nike's Beaverton headquarters. The combination of exceptional natural setting, proximity to the Silicon Forest employment corridor, and the genuine estate-scale lot sizes that Hillsboro's urban neighborhoods cannot replicate drives values that reach into super-jumbo territory on the most premium West Union properties. These transactions are relatively rare — West Union is not a high-volume market — but they occur consistently among Intel and other Silicon Forest senior leaders.
Northwest Hillsboro Custom Builds and Premium Lots
At the top of Northwest Hillsboro's established residential corridor — where Intel's campus adjacency combines with larger lots, custom-built homes, and the proximity to both Tanasbourne's commercial amenities and the open spaces of Rood Bridge Park — premium properties can reach $1.5 million and above. The buyers in this segment are long-tenured Intel professionals who have remained through multiple market cycles and are making a definitive, long-term residential investment in the community where they have built their careers.
Reserve Vineyards Adjacency — South Hillsboro
The Reserve Vineyards & Golf Club, immediately adjacent to the southern edge of Hillsboro in unincorporated Washington County, anchors a residential setting that is distinctive in the Silicon Forest market. Properties adjacent to or near The Reserve — with golf course views, Tualatin Valley vistas, and the Pinot Noir wine country corridor just to the south — represent the most lifestyle-premium residential real estate in South Hillsboro. Custom estate builds in this zone can reach super-jumbo territory for the most ambitious specifications.
Portfolio lender access with Pacific Northwest executive technology borrower expertise
Intel deferred compensation and non-qualified deferred compensation plan documentation experience
Asset depletion programs for retired or transitioning Intel fellows and Silicon Forest technology executives
Construction-to-permanent super-jumbo for West Union estate builds and Northwest Hillsboro custom projects
Full discretion — publicly traded company executives require complete confidentiality throughout the transaction
Technology sector RSU and equity portfolio analysis at the super-jumbo scale
Ryan Lehrman, NMLS #235295
Credit: Typically 720 or above; 740+ for most favorable program terms
Income: All sources considered — W-2 base salary, RSU vesting, executive bonus, Intel NQDC plan distributions, investment income; asset depletion available for qualifying borrowers
Reserves: Typically 12 to 24 months PITI in liquid or semi-liquid accounts; Intel 401(k), ESOP, and investment portfolios typically documentable as reserve assets
Property: Estate homes, rural parcels, custom builds, and unique residential settings; considered with appropriate appraisal methodology
Confidential financial review — We assess your complete compensation picture — base salary, RSU history, deferred compensation, investment and retirement account positions — before recommending a program or lender.
Documentation strategy — We develop a presentation of your financial profile that accurately reflects your total annual and accumulated compensation to portfolio underwriters, including any Intel NQDC plan or deferred equity positions.
Lender selection and term negotiation — We identify the right portfolio lender for your transaction type and negotiate terms on your behalf.
Appraisal — Super-jumbo appraisals on West Union estate parcels and Northwest Hillsboro custom builds require specialists who understand Silicon Forest market dynamics and rural Washington County land values; we manage selection and review.
Closing — We coordinate with your financial and legal advisors and with title to deliver a fully managed, confidential close.
In Hillsboro, super-jumbo financing primarily applies to West Union estate parcels with custom residential improvements ($1.5 million to over $2 million), premium custom builds at the top of Northwest Hillsboro's established corridor, Reserve Vineyards-adjacent South Hillsboro estates, and Stone Bridge Homes builds at Reed's Crossing upper tier where extensive upgrades push the final price well above the base range. These are Hillsboro's rarest transactions, concentrated among the Silicon Forest's most senior technology professionals.
In most cases, yes. Intel's NQDC (non-qualified deferred compensation) plan accumulations, when vested and documented, are generally usable as reserve assets under super-jumbo portfolio guidelines. For retired or transitioning Intel executives whose NQDC represents significant accumulated wealth, asset depletion programs can convert documented plan balances to qualifying monthly income, allowing a high-value property purchase without relying solely on current earned income. The specific treatment depends on the plan's payout schedule and the borrower's election status.
Yes. Our construction-to-permanent super-jumbo program is available for custom builds on West Union agricultural parcels and other large-lot Washington County sites, provided the borrower profile, builder qualifications, and parcel documentation meet program requirements. For Intel executives who have secured a West Union parcel and are commissioning an architect-designed estate home, this structure closes once before construction begins, locks the rate, and converts to a permanent mortgage at certificate of occupancy — eliminating the re-qualification risk of a two-loan approach across a 12 to 18 month build timeline.
Super-jumbo transactions benefit from early engagement. Let’s have a confidential conversation about your property and financial profile.
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.
