Ogden’s upper market extends well beyond the typical Wasatch Front narrative. The city’s east bench, the canyon-adjacent properties along the Ogden Canyon corridor, and the custom estate homes that rise toward Snowbasin and Nordic Valley represent a tier of real estate that requires financing beyond standard Jumbo programs. Super-Jumbo mortgages — generally defined as loans of $3 million or more — are portfolio products: no Fannie Mae or Freddie Mac guidelines, lenders underwriting on their own books, and terms driven by a complete view of the borrower’s financial picture rather than any single qualifying metric.
I work with the portfolio lender relationships and the Northern Utah market knowledge needed to serve buyers at this level — with the discretion and high-touch service that transactions of this scale require.
Super-Jumbo mortgages typically begin at $3 million. Above this threshold, every deal is portfolio lending — the lender’s own credit box applies, the borrower’s complete financial profile is evaluated, and the right program for one buyer may not be the right program for another. What one institution declines, another will approve. Matching the borrower and property to the right lender is the defining work at this tier.
Key Features:
Loan amounts from $3 million and above
Portfolio lending — no Fannie/Freddie constraints
Asset-based and asset depletion income programs
Alternative documentation for self-employed and complex-income borrowers
Primary residences and qualified second homes
Canyon-adjacent and mountain resort property experience
Discreet, high-touch service throughout
For properties in and above Ogden Canyon, near Snowbasin, and on the upper east bench
Portfolio lenders with experience in Utah mountain and recreational property valuation
Flexible reserve structures for buyers with significant investment assets
Primary and second home programs
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 retirees, business owners, and investors purchasing at the top of the Ogden market
For fully custom builds on Ogden's east bench, canyon parcels, or upper Weber County mountain lots
Rate locked at origination through the full build window
Single closing, no re-qualification at completion
Ogden Canyon and Pineview Corridor — The canyon road above Ogden leads to Pineview Reservoir, a four-season recreational draw, and continues to Nordic Valley and beyond. Properties within and adjacent to Ogden Canyon represent some of Weber County's most distinctive real estate — limited supply, scenic setting, and recreational proximity that has no equivalent in the valley.
East Bench Estate Properties — The upper streets of Ogden's east bench rise toward the Wasatch Range with properties that offer commanding views across the Weber Valley and out toward the Great Salt Lake. Custom homes on these parcels represent the top of the local market — larger lots, views, and mountain access that distinguish them from valley-floor inventory.
Huntsville and the Snowbasin Corridor — The communities surrounding Pineview Reservoir and extending toward Snowbasin Resort represent a distinct luxury real estate market outside the Ogden city limits. Custom homes and estate properties in the Ogden Valley — Huntsville, Eden, Liberty — attract buyers who want a true mountain setting with Snowbasin ski access. Super-Jumbo financing is regularly relevant here.
North Ogden and Harrisville Upper Tier — The hillside communities north and east of Ogden's city center include a smaller but real tier of estate-scale properties. Custom builds on large lots with valley and mountain views attract executive buyers and professionals relocating to the Northern Wasatch Front.
Direct relationships with portfolio lenders who finance mountain and recreational properties in Northern Utah
Experience with complex borrower profiles — self-employed professionals, executives, and high-net-worth buyers with asset-based income
Knowledge of Weber County's canyon-adjacent, mountain, and recreational property valuation dynamics
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 complete financial picture. Net worth relative to loan size, liquidity, and post-close reserves are all central.
Post-Close Reserves — 12 to 24 months of PITI in liquid or near-liquid assets is typical at the $3M+ tier.
Income Documentation — Business owners, self-employed professionals, and those with complex compensation benefit from asset depletion and alternative documentation programs available through portfolio lenders.
Property Approval — Canyon properties, mountain recreational real estate, and large-acreage parcels 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.
Documentation & Underwriting — Thorough review, guided throughout by a single point of contact.
Appraisal Coordination — Mountain and canyon properties require appraisers with genuine Northern Utah experience.
Closing — Typically 45-60 days for qualified borrowers; varies by property type and lender.
Super-Jumbo mortgages generally begin at $3 million, though some portfolio lenders draw the threshold at $2.5 million. I work with lenders across both definitions.
Yes. Asset depletion programs calculate qualifying income from portfolio value divided over a defined drawdown period — a practical solution for buyers whose wealth is held in investment assets rather than W-2 income.
Yes. Portfolio lenders I work with have experience financing recreational and mountain properties throughout Weber County, including the Ogden Valley communities surrounding Pineview Reservoir and the Snowbasin corridor.
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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