Los Angeles has one of the most genuine Super-Jumbo markets in the country. Holmby Hills alone has one of the highest concentrations of $100 million-plus estates anywhere, including internationally recognized properties. Bel Air, home to record-setting “giga-mansions” on expansive lots, has posted median sale prices ranging widely depending on the specific transactions in a given period, reflecting how thin and top-heavy this segment of the market really is. At this level, financing has to move past standard Jumbo assumptions entirely, accounting for
entertainment-industry deal structures, concentrated equity positions from Silicon Beach or aerospace liquidity events, and, in some cases, family wealth built across generations in the entertainment or real estate industries.
I structure Super-Jumbo financing for Los Angeles buyers who need a lender comfortable with entertainment-industry income documentation, asset depletion underwriting, and construction-to-permanent structures for the custom and spec-built estates common in the Hollywood Hills and Bel Air.
A Super-Jumbo mortgage generally describes financing well above LA’s standard Jumbo range — typically loan amounts exceeding $3 million, though the exact threshold varies by lender. In Los Angeles, that range routinely extends into the tens of millions in neighborhoods like Holmby Hills and Bel Air, well beyond what most Jumbo underwriting boxes are built to handle.
Built for Bel Air, Holmby Hills, and Pacific Palisades properties with significant lot size, architectural significance, or hillside and view premiums — underwriting that treats these as the unique assets they are.
For borrowers whose wealth sits in investment portfolios, real estate holdings, or realized liquidity from entertainment, aerospace, or tech equity rather than salaried income, common among LA’s highest-net-worth buyers.
Structured for borrowers with concentrated equity positions, loan-out corporation income, deferred entertainment compensation, or founder equity in Silicon Beach companies — where standard income documentation doesn’t capture the full financial picture.
For buyers building custom or spec-style homes in the Hollywood Hills or on Bel Air estate lots, this structure combines the construction loan and permanent Super-Jumbo mortgage into a single closing.
Holmby Hills remains one of the most concentrated ultra-high-net-worth markets in the country, historically home to properties like the Playboy Mansion and other internationally known estates. Bel Air continues to produce the city’s most significant single transactions, including record-breaking “giga-mansion” sales, though with meaningful flood-risk considerations affecting roughly a fifth of its properties. Pacific Palisades rounds out the upper tier with an average home value near $3.8 million and a strong base of buyers prioritizing coastal proximity alongside estate-level privacy.
Direct experience structuring entertainment-industry and asset depletion files for Los Angeles borrowers
Comfortable with construction-to-permanent financing for Hollywood Hills and Bel Air custom builds
Confidential process for high-profile buyers who value discretion
Access to Super-Jumbo investor programs beyond standard bank Jumbo pricing
Single point of contact from application through closing
Ryan Lehrman, NMLS #235295
Credit profile: Typically 720+ credit score, with the strongest pricing at 760 and above
Down payment or equity: Often 20-30%, though asset-based programs can flex this depending on liquidity
Documentation: Full asset statements, tax returns, and — where applicable — loan-out corporation filings, vesting schedules, or business financials
Reserves: Many Super-Jumbo programs require 12+ months of reserves, sometimes more for construction-to-permanent structures
Confidential intake — We discuss your property, income structure, and financing goals before anything moves toward a formal application.
Program matching— I identify which Super-Jumbo structure — asset depletion, entertainment-industry compensation, or construction-to-permanent — fits your file.
Documentation assembly — We compile the deeper asset, income, or equity documentation these programs require.
Underwriting — I work directly with underwriting to keep your file moving given the additional review these loans typically involve
Closing — We close on your timeline, with communication and discretion throughout.
There's no single fixed line, but most lenders treat loan amounts above roughly $3 million as Super-Jumbo, which covers a significant share of transactions in Bel Air, Holmby Hills, and Pacific Palisades. I can tell you which tier your specific loan amount falls into.
Yes. Entertainment industry compensation programs are built for exactly this situation, using tax returns and evidence of continued work to document income that doesn't arrive as a traditional pay stub.
Yes, through a construction-to-permanent structure that combines the construction financing and the final Super-Jumbo mortgage into one closing, which is common for the custom and architect-designed homes built throughout the Hollywood Hills and Bel Air.
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/
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