Multi-million-dollar financing for Phoenix’s ultra-luxury properties. Discreet, high-touch service with portfolio loan options, asset-based underwriting, and customized programs for ultra-high-net-worth buyers throughout the Valley.
Super-Jumbo mortgages are loans that typically exceed $1.5 million — going well into the multi-million-dollar range for Phoenix’s most prestigious properties. These are financing solutions for ultra-luxury estates, trophy properties, and high-value custom homes that require a level of sophistication well beyond standard mortgage underwriting.
Phoenix has seen significant growth in the ultra-luxury segment, particularly in neighborhoods like Arcadia Proper, the Biltmore Estates corridor, and private gated communities in North Phoenix. Properties routinely priced at $3M, $5M, $10M, and beyond require a mortgage partner with the experience, discretion, and lender access to close these transactions efficiently.
I specialize in working with Phoenix’s highest-net-worth buyers — executives, business owners, physicians, investors, and entrepreneurs — providing portfolio loan options, alternative documentation programs, and genuinely personalized service at every stage of the process.
Super-Jumbo at a Glance:
Starting loan amounts: $1.5M+
Maximum loan programs: $10M+
Typical days to close: 30–45
20+ years of Arizona experience
Held in-house by the lender rather than sold on the secondary market, portfolio loans offer maximum flexibility for high-value Phoenix properties and complex borrower profiles.
No GSE conforming requirements
Flexible DTI and credit guidelines
Custom terms for large loan amounts
Relationship-based underwriting
No traditional income documentation required
Retirement and investment assets considered
Ideal for semi-retired or high-wealth borrowers
Phoenix estate and luxury property eligible
Non-Qualified Mortgage programs exist outside of standard agency guidelines — perfect for Phoenix buyers whose income or profile is complex, atypical, or doesn’t fit conventional boxes.
Bank statement programs for self-employed
DSCR loans for investment properties
Foreign national programs available
Business income and alternative docs accepted
Executives & Business Owners — C-suite executives and business owners with complex compensation structures — equity, deferred comp, K-1 income — are well-suited for portfolio and non-QM Super-Jumbo programs.
High-Net-Worth Investors — Those with substantial investment portfolios can qualify through asset-based underwriting — using the depth of their financial position rather than traditional income metrics.
Physicians & Specialists — Established medical professionals and specialists purchasing luxury Phoenix estates benefit from physician-specific Super-Jumbo programs with favorable terms and streamlined underwriting.
Real Estate Investors — Investors acquiring luxury Phoenix investment properties or large multi-unit residences can access DSCR-based Super-Jumbo programs that evaluate the property's income potential.
Ultra-luxury mortgage transactions require more than financial expertise — they require discretion, trust, and a genuine commitment to protecting your privacy throughout the process. I handle every Super-Jumbo engagement with the confidentiality and care your transaction deserves.
Confidentiality — Your financial details are handled with complete discretion from consultation through closing.
Efficiency — Streamlined process designed to move at the pace of Phoenix's luxury real estate market.
Personalized Service — Direct access to me — not a call center — throughout every stage of your Super-Jumbo transaction.
Expertise in ultra-luxury financing and complex borrower profiles
Access to portfolio lenders not available through standard channels
Personalized, high-touch service with direct lender relationships
Phoenix-specific knowledge of the ultra-luxury real estate market
20+ years of experience with Arizona's high-net-worth buyers
Super-Jumbo loans generally start at $1.5M in the Phoenix market, though some lenders draw the line at $2M or $3M+. I work with programs across the full range — from $1.5M to $10M+ — depending on the borrower and property.
Yes. Asset-based, bank statement, and portfolio loan programs are specifically designed for high-net-worth borrowers who may not show traditional W-2 income. I specialize in these programs for Phoenix's luxury buyers.
Most Super-Jumbo programs recommend a strong credit profile — typically 720+ for the most favorable terms. However, portfolio programs review each borrower holistically, so exceptional asset depth can offset credit nuances.
Yes. DSCR-based programs evaluate investment properties on their rental income potential. Portfolio programs can also accommodate Phoenix luxury investment properties — including multi-unit residences and high-value rentals.
The best first step is a confidential consultation. I'll review your financial profile, understand your property goals in Phoenix, and identify the program or programs that best fit your situation — before you've made any commitments.
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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