San Diego’s Super-Jumbo tier concentrates in three distinct places: La Jolla, where oceanfront and Torrey Pines-adjacent properties push well past the neighborhood’s already-elevated $2.5 million median; Point Loma, where bay- and ocean-view waterfront estates can reach $5 million and beyond; and the inland enclaves of Rancho Santa Fe and Fairbanks Ranch, where custom compounds on larger lots commonly run from $3 million to $15 million. At this level, underwriting has to move past standard Jumbo assumptions and account for how San Diego’s wealthiest buyers actually earn and hold wealth — concentrated equity from biotech and genomics companies headquartered in the Torrey Pines corridor, executive compensation from firms like Qualcomm, and, for a meaningful share of buyers, senior military and
government-contractor income tied to the region’s defense presence.
I structure Super-Jumbo financing for San Diego buyers who need a lender comfortable with biotech equity documentation, asset depletion underwriting, and construction-to-permanent structures for the custom builds common throughout Rancho Santa Fe and San Diego’s coastal-zone neighborhoods.
A Super-Jumbo mortgage generally describes financing well above San Diego’s standard Jumbo range — typically loan amounts exceeding $2.5 million, though the exact threshold varies by lender. Given that La Jolla’s own median already sits near that figure, and Rancho Santa Fe custom homes commonly reach into the eight figures, Super-Jumbo financing describes a meaningful share of transactions across San Diego’s most established neighborhoods.
Built for La Jolla oceanfront, Point Loma bay-view, and Coronado properties with significant lot size or view-corridor premiums — underwriting that treats these as the unique coastal assets they are.
For borrowers whose wealth sits in investment portfolios or realized liquidity from biotech, technology, or defense-sector equity rather than salaried income, common among San Diego’s highest-net-worth buyers.
Structured for borrowers with concentrated equity positions, stock options, or founder equity in companies based in the Torrey Pines and Sorrento Valley research corridors, where standard income documentation doesn’t capture the full financial picture.
For buyers building custom estates in Rancho Santa Fe or navigating California Coastal Commission review for a coastal-zone rebuild, this structure combines the construction loan and permanent Super-Jumbo mortgage into a single closing.
La Jolla remains San Diego’s most recognized luxury address, with proximity to the Torrey Pines biotech corridor supporting consistent demand from executives and researchers at companies like Illumina. Point Loma’s waterfront enclaves command premium pricing for bay and ocean views alongside proximity to Naval Base Point Loma. Rancho Santa Fe and neighboring Fairbanks Ranch round out the upper tier with expansive lots, equestrian properties, and a stronger emphasis on privacy than San Diego’s coastal communities.
Direct experience structuring asset depletion and biotech/executive compensation files for San Diego borrowers
Comfortable with construction-to-permanent financing for Rancho Santa Fe custom builds and coastal-zone rebuilds
Familiarity with California Coastal Commission review timelines as they affect construction financing
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 — vesting schedules, equity award agreements, or business financials
Reserves: Many Super-Jumbo programs require 12+ months of reserves, sometimes more for construction-to-permanent structures given coastal permitting timelines
Confidential intake — We discuss your property or build project, asset structure, and financing goals.
Program matching — I identify which Super-Jumbo structure — asset depletion, biotech/executive 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 through the additional review these loans typically involve.
Closing — We close on your timeline, with communication throughout.
There's no single fixed line, but most lenders treat loan amounts above roughly $2.5 million as Super-Jumbo, which covers a significant share of La Jolla and Rancho Santa Fe transactions. I can tell you which tier your specific loan amount falls into.
Yes. Executive and biotech compensation programs, along with asset depletion underwriting, are built for exactly this situation, and I structure these regularly for San Diego borrowers connected to the region's life sciences sector.
Yes, through a construction-to-permanent structure that combines the construction financing and final Super-Jumbo mortgage into one closing. For coastal-zone projects, I build extra time into the schedule to account for California Coastal Commission review, which can add six to eighteen months to the timeline.
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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