Mesa’s ultra-luxury real estate market is quietly producing some of the most impressive estate properties in the East Valley. From 9,500-square-foot new construction masterpieces in northeast Mesa’s 85207 corridor to sprawling custom estates on multi-acre lots in Thunder Mountain Estates and trophy homes with city light views in Las Sendas, the top tier of Mesa’s market requires financing that matches its scale — and lenders who understand high-stakes, complex transactions.
I specialize in Super-Jumbo mortgage financing for ultra-high-net-worth buyers in Mesa, offering asset-based programs, portfolio loans, and discreet, personalized service throughout every step of the transaction. Whether your income is complex, your assets are the primary qualifier, or your deal simply exceeds what conventional Jumbo channels can accommodate, I have the expertise and access to deliver.
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 Mesa’s luxury market, this covers a meaningful portion of the northeast Mesa corridor and the highest-tier gated communities, where properties are regularly listed at $2M to $7M and beyond.
These loans are not backed by government agencies and are typically held in a lender’s own portfolio — which creates flexibility for qualified borrowers but requires a comprehensive review of your complete financial picture. For the right buyer, Super-Jumbo programs offer extraordinary access to capital with highly personalized terms.
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 financial profile
Loans from $1.5M to $5M and beyond
Held in lender portfolio — more flexible underwriting criteria
Ideal for high-net-worth buyers with complex income
Primary and secondary residences throughout Mesa and the East Valley
Customized rate and term structures
Qualify using investment portfolios, retirement accounts, or liquid assets
No traditional income documentation required
Ideal for business owners, executives, retirees, and high-net-worth individuals
Covers primary, secondary, and investment properties in Mesa
Super-Jumbo financing for large-scale custom builds in northeast Mesa
Land acquisition, construction, and permanent financing options
One-Time Close options available for qualifying projects
Coordinated draw management for estate-scale builds
Thunder Mountain Estates — Mesa's most exclusive gated enclave. Just 98 custom homes or lots set against the desert foothills, with panoramic mountain and city light views, lots up to 3 acres, and properties listed from $780,000 to $2.35M+. The community's extreme exclusivity and limited inventory make it a standout address for serious luxury buyers.
Northeast Mesa (85207) — The city's most active ultra-luxury corridor. New construction projects in this zip code are regularly listed at $3M to $7M, including custom builds by boutique luxury builders delivering 7,000–9,500+ square-foot estates on premier lots with mountain and desert views.
Las Sendas — Mesa's most recognized luxury address, with the full spectrum of estate homes — from resort-style production luxury to fully custom builds priced into the multi-millions. Las Sendas' golf course, hiking trails, and gated communities attract discerning buyers from across the country.
Red Mountain Ranch — Country Club Estates — The gated upper tier of Red Mountain Ranch, offering golf course frontage, curated landscaping, and executive-level estate homes in the $1.5M+ range with a loyal buyer base of professionals and retirees.
The Groves — An upscale Mesa neighborhood defined by mature citrus trees, wide streets, custom homes, and a luxury character that surprises many out-of-state buyers. Large parcels and one-of-a-kind custom homes make it a target for Super-Jumbo buyers seeking something distinctive.
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 aligned with the privacy expectations of UHNW clients
Deep knowledge of Mesa's ultra-luxury neighborhoods and the East Valley market
20+ years of Arizona mortgage experience — NMLS #235295
Super-Jumbo qualification is highly individualized — these are directional benchmarks, not hard rules. Every client is reviewed holistically.
Substantial Net Worth or Assets — Asset-based programs can use investment portfolios, retirement accounts, real estate equity, or other substantial assets for qualification — ideal for buyers whose wealth doesn't show up cleanly on a W-2.
Strong or Complex Income — W-2, business ownership, consulting income, passive income streams, or a combination — I work across diverse income structures to identify the right program for your profile.
Exceptional Property Profile — The property itself matters in Super-Jumbo underwriting. Custom appraisals, private inspections, and property-specific review are all part of the process.
Discretion and Privacy — Many Super-Jumbo clients prefer to limit the parties involved in their transaction. 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 acquisition timeline.
Program Identification — I identify the best portfolio, asset-based, or alternative documentation program for your situation.
Documentation & Underwriting — A thorough, efficient process designed for complex borrower profiles and high-value Mesa properties.
Approval & Terms — Personalized rate and term structure, reviewed in detail before you commit.
Closing & Funding — Smooth, on-time closing for your Mesa ultra-luxury property.
Super-Jumbo loans generally begin at $1.5 million. In Mesa, this encompasses a significant portion of the top-tier luxury market — particularly in Thunder Mountain Estates, northeast Mesa's 85207 corridor, and the upper end of Las Sendas.
Yes. Asset-based qualification programs allow you to leverage investment portfolios, retirement accounts, or other liquid and semi-liquid assets to meet income documentation requirements — without requiring traditional pay stubs or tax returns. This is particularly useful for business owners, executives, and retirees with strong balance sheets.
Yes. One-Time Close Construction financing is available at the Super-Jumbo level for qualifying projects and borrowers. Northeast Mesa's active custom-build market — with homes regularly priced $3M to $7M+ — is a natural fit for this program.
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 compromising the thoroughness that protects your investment.
Discretion is a priority throughout every step. I limit unnecessary third-party involvement, communicate securely, and work with a small, trusted team. High-net-worth clients can expect the same level of confidentiality they would from any senior professional advisor.
Ultra-luxury financing deserves an ultra-personalized approach. Schedule a confidential consultation today 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.
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.
