Salt Lake City’s ultra-luxury tier is anchored by the East Bench — where custom hillside estates perched above the city combine Wasatch Mountain views, private canyon access, and architectural ambition that rival any residential market in the Mountain West. The best of these properties — expansive custom builds backing directly to Emigration Canyon or Parleys Canyon, gated compounds in Emigration Place, and landmark Avenues estates — push well past $2 million and require the asset-based programs, portfolio lenders, and discreet personal service that complex, high-value transactions demand.
I specialize in Super-Jumbo mortgage financing for Salt Lake City’s most discerning buyers — with access to the programs that traditional banks don’t offer and the experience to structure complex transactions efficiently.
I specialize in multi-million-dollar mortgage financing for ultra-high-net-worth buyers in Tucson, offering asset-based programs, portfolio loans, and discreet, personalized service throughout the entire process. Whether your income is complex, your assets are substantial, or your deal is simply too large for conventional channels, I have the tools and experience to deliver.
A Super-Jumbo mortgage typically refers to loans of $1.5 million and above — beyond Salt Lake County’s conforming limit of $806,500 and above the standard Jumbo threshold. In Salt Lake City’s most exclusive properties — East Bench gated estates, historic Avenues landmark homes, and canyon-adjacent custom builds — this tier encompasses the top of the city’s residential market.
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 — flexible underwriting criteria
Ideal for high-net-worth buyers with complex or equity-based income
Primary and secondary residences throughout Salt Lake City
Qualify using investment, retirement, or liquid assets
No traditional income documentation required
Ideal for business owners, retirees, and high-net-worth individuals
Covers primary, secondary, and investment properties in Salt Lake City
For tech executives, founders, and investors with significant equity compensation or concentrated stock positions
RSU vesting schedules, carried interest, and private company equity accommodated
Jumbo-level loan amounts aligned with Salt Lake City's top property tier
East Bench — Canyon-Adjacent Custom Estates — The pinnacle of Salt Lake City residential real estate. Custom homes backing directly to Emigration Canyon and Parleys Canyon with private trail access, panoramic valley and mountain views, and architectural distinction that reflects decades of careful craftsmanship. The most expansive and best-positioned of these estates — many exceeding 5,000 square feet on large lots with mature Gambel oak and mountain views — push well past $2 million.
Emigration Place — A gated enclave at the top of the Avenues with canyon views, privacy, and a level of exclusivity rare in Salt Lake City. Homes here represent the top of the Avenues market and attract buyers who want city access with a secluded retreat character.
The Avenues — Landmark Estates — The finest homes in The Avenues — fully restored Victorian and Craftsman landmarks on large lots with original architectural detail, modern systems, and irreplaceable character — command $2M to $4M+ among buyers who recognize the scarcity of genuinely exceptional historic properties.
Federal Heights — Larger Estate Lots — The most expansive properties in Federal Heights — those on oversized lots with unobstructed mountain views and substantial square footage — represent the top of this established neighborhood and regularly produce Super-Jumbo transactions.
Specialized expertise in complex, multi-million-dollar loan structures
Access to portfolio and asset-based programs not available through traditional banks
Experience with Silicon Slopes equity compensation structures
Discreet, high-touch service aligned with the expectations of UHNW clients
20+ years of experience — NMLS #235295
Substantial Net Worth or Assets — Asset-based programs leverage investment portfolios, retirement accounts, or other substantial assets for qualification.
Strong or Complex Income — W-2, equity compensation, business ownership, private investment income — I work across all income structures common to Salt Lake City's executive and tech community.
Exceptional Property Profile — Custom appraisals for canyon-adjacent, gated, and historic landmark properties are part of every transaction at this level.
Discretion — I operate with confidentiality as a priority throughout.
Confidential Consultation — A private conversation about your financial profile and property goals.
Program Identification — Best portfolio, asset-based, or alternative documentation program for your situation.
Documentation & Underwriting — Thorough, efficient process for complex borrower profiles.
Approval & Terms — Personalized rate and term structure reviewed before you commit.
Closing & Funding — Smooth, on-time closing for your Salt Lake City property.
Super-Jumbo loans generally begin at $1.5 million. In Salt Lake City, this covers the top tier of East Bench estates, canyon-adjacent custom homes, and landmark Avenues properties.
Yes. Asset-based qualification programs allow you to leverage investment portfolios, retirement accounts, or other liquid assets without traditional pay stubs or tax returns.
RSUs, carried interest, private company equity, and concentrated stock positions can all be accommodated under the right programs. I structure financing to reflect your complete financial picture.
Super-Jumbo closings typically require 45-60 days due to the complexity of underwriting, custom appraisals, and documentation review.
Ultra-luxury financing deserves an ultra-personalized approach. Let’s talk.
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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