Silicon Slopes has created a concentration of wealth in Utah County that simply didn’t exist a decade ago. Tech company founders, senior executives at Adobe, Ancestry, Qualtrics, and Domo, and a cohort of high-net-worth professionals whose equity compensation has tracked the remarkable growth of Utah’s tech sector represent a buyer pool at the very top of Lehi’s market — one that occasionally pursues properties in the $3 million to $7 million range, particularly for large custom builds in Traverse Mountain or exceptional estate properties with Utah Valley views. This is Super-Jumbo territory: portfolio lending, no Fannie/Freddie guidelines, and underwriting driven by a complete picture of the borrower’s financial profile.
I work with the portfolio lender network and the Utah County market knowledge needed to serve buyers at this level.
Super-Jumbo mortgages typically begin at $3 million. Above this threshold, every deal is portfolio lending — each lender’s own standards apply, and the right program for one buyer may be a poor fit for another. The core work at this tier is matching the borrower’s financial profile and property to the right lender — a function of relationships built over years in the market, not a commodity shopping exercise.
Key Features:
Loan amounts from $3 million and above
Portfolio lending — no Fannie/Freddie constraints
Asset-based and asset depletion income programs
RSU, equity, and founder compensation handled by experienced lenders
Primary residences and qualified second homes
Discreet, high-touch service throughout
Designed for buyers with RSU income, equity compensation, stock options, and self-employment from tech company ownership
Portfolio lenders with experience underwriting Silicon Slopes compensation structures at the super-jumbo tier
Flexible documentation and reserve structures for buyers with complex financial profiles
Qualifying income calculated from investable assets rather than W-2 earnings
Designed for high-net-worth buyers with substantial portfolios and lower reported income
Relevant for tech executives whose equity has appreciated significantly relative to current salary
For fully custom builds in Traverse Mountain and on large Utah County parcels
Rate locked at origination through the build window
Single closing, no re-qualification at completion
Traverse Mountain Custom Estates — The upper streets of Traverse Mountain are the natural home of Lehi's most exceptional residential real estate. Large lots with panoramic Utah Valley views, custom architecture, and fully bespoke finish levels characterize the top tier of this community. Total build costs for the most ambitious projects here regularly reach the super-jumbo threshold, and resale estate properties at the top of the market are in the same range.
Silicon Slopes Executive Relocation — Tech companies headquartered in Lehi regularly bring senior leadership talent from San Francisco, Seattle, and Austin — markets where $3 million properties are not unusual. These buyers arrive with significant equity from prior markets, equity compensation from their current employer, and an expectation of a premium Utah property relative to what they sold. Super-Jumbo programs match the financial scale these buyers bring to the table.
Large Parcel Custom Builds — Lehi's development geography still includes larger parcels in areas adjacent to the city's master-planned communities — land where buyers can commission truly estate-scale custom homes. One-Time Close Super-Jumbo construction programs are the right tool here.
Direct relationships with portfolio lenders experienced with tech compensation structures and Utah County luxury real estate
Experience with RSU income, equity compensation, tech founder profiles, and asset depletion programs
Knowledge of Traverse Mountain's upper-tier custom home market
Discretion and personalized service throughout the process
Single point of contact from pre-qualification through closing
20+ years of experience — NMLS #235295
Substantial Net Worth — Portfolio lenders evaluate the total financial picture. Net worth relative to loan size, liquidity, and post-close reserves are central to underwriting.
Post-Close Reserves — 12 to 24 months of PITI in liquid or near-liquid assets is typical at the $3M+ tier.
Income Documentation — W-2 tech professionals document income straightforwardly. Founders, RSU-heavy executives, and self-employed buyers benefit from asset depletion and alternative documentation programs.
Property Approval — Custom builds, large parcels, and estate properties require lenders experienced with these property types.
Initial Consultation — A private conversation about your financial profile, target property, and timeline.
Lender Matching — I identify the right portfolio lender from my network based on your profile and property type.
Documentation & Underwriting — Thorough review, guided throughout by a single point of contact.
Appraisal Coordination — Utah Valley luxury appraisals require appraisers with genuine Lehi and Utah County market experience.
Closing — Typically 45-60 days for qualified borrowers; varies by property type and lender.
Yes, with the right program and lender. Portfolio lenders experienced with Silicon Slopes compensation can underwrite RSU income, vested stock, and equity compensation appropriately — something that standard Jumbo programs often cannot do. I match these borrowers to lenders who get it right.
Yes. Asset depletion programs calculate qualifying income from portfolio assets divided over a defined drawdown period — a practical solution for buyers with significant investment holdings relative to current salary.
Yes. Super-Jumbo One-Time Close Construction programs cover custom builds in Traverse Mountain and throughout Utah County, with rate locked at origination and a single closing before the build begins.
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.
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