At the very top of St. George’s real estate market, properties exist that have no parallel in Southern Utah — Entrada at Snow Canyon estate homes set against red rock formations, fully custom builds overlooking Sand Hollow Reservoir from private ridgeline parcels, and Snow Canyon corridor properties where the setting alone commands a premium that pushes total value well above $3 million. This is the tier where portfolio lending is the only option: no Fannie Mae or Freddie Mac framework applies, the lender underwrites on its own book, and the transaction is driven by a complete, nuanced view of the borrower’s financial profile.
I work with the portfolio lender relationships and the Southern Utah market knowledge needed to serve buyers at this level — with the discretion that high-value transactions require.
Super-Jumbo mortgages typically begin at $3 million. Above this threshold, every deal is portfolio lending — each institution sets its own guidelines, and the right lender match depends on the specific combination of borrower profile and property type. What works for a high-net-worth retiree purchasing an Entrada estate may be a different program entirely than what serves a California business owner building a custom home on a Sand Hollow ridgeline. Finding the right match 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, second homes, and vacation properties
Red rock and Southern Utah luxury property experience
Discreet, high-touch service throughout
For Entrada at Snow Canyon and other premium Washington County properties
Portfolio lenders with experience in Southern Utah luxury and resort-adjacent real estate
Flexible reserve structures for retirees and asset-rich buyers
Primary and second home programs
Qualifying income calculated from investable assets rather than W-2 earnings
Designed for retirees and high-net-worth buyers whose wealth is held in portfolios rather than current employment income
A primary tool for the significant segment of St. George buyers who have retired early or sold businesses
Tailored structures for buyers arriving with substantial equity from high-value coastal markets
Bridge-to-purchase options for buyers whose prior home has not yet sold
Documentation structures suited to the complex financial profiles of equity-rich coastal relocators
For fully custom builds on Sand Hollow ridgeline parcels, Snow Canyon-adjacent lots, and estate-scale sites throughout Washington County
Rate locked at origination through the full build window
Single closing, no re-qualification at completion
Entrada at Snow Canyon — Washington County's most exclusive residential address. Entrada is a private golf community where the landscape itself — Snow Canyon's red and white Navajo sandstone formations, lava flows, and canyon views — is the dominant architectural element. Estate homes here represent the apex of St. George real estate. The combination of limited inventory, exceptional setting, and private community infrastructure creates values that regularly reach the super-jumbo tier for the most significant properties.
Sand Hollow Ridgeline Custom Builds — The elevated terrain surrounding Sand Hollow Reservoir offers a smaller but genuine luxury build opportunity — custom homes on parcels where reservoir views and red rock terrain combine to create something that simply cannot be replicated elsewhere in Southern Utah. Total project costs on ridgeline custom builds here regularly reach the super-jumbo threshold.
Snow Canyon and Ivins Estate Properties — The communities of Ivins and Santa Clara adjacent to Snow Canyon State Park harbor a tier of estate-scale properties where the park setting, dramatic views, and established luxury residential character support values above what the broader St. George market would suggest. Long-term owners and new custom builds alike occupy this tier.
Direct relationships with portfolio lenders who understand Southern Utah luxury real estate and resort-adjacent property valuation
Experience with the buyer profiles most common at St. George's super-jumbo tier — retirees, California and Nevada equity relocators, self-employed professionals, and asset-rich buyers with complex income documentation
Asset depletion and asset-based income programs for buyers whose wealth is in portfolios rather than current employment
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 to underwriting.
Post-Close Reserves — 12 to 24 months of PITI in liquid or near-liquid assets is typical at the $3M+ tier.
Income Documentation — Retired buyers and high-net-worth individuals with investment income benefit significantly from asset depletion programs. Self-employed buyers and business owners use CPA letters, P&L statements, and business bank statements.
Property Approval — Luxury resort-adjacent real estate, private club communities, and large-parcel custom builds 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 type.
Documentation & Underwriting — Thorough review, guided throughout by a single point of contact.
Appraisal Coordination — Southern Utah luxury appraisals require appraisers with genuine Washington County and red rock corridor market knowledge.
Closing — Typically 45-60 days for qualified borrowers; varies by property type and lender.
Yes. Asset depletion programs calculate qualifying income from your portfolio value divided over a defined drawdown period — a practical and lender-accepted approach for buyers whose retirement assets are substantial relative to the purchase price. This is one of the most common qualifying structures for St. George's super-jumbo buyer profile.
Yes. Portfolio lenders offer second home and vacation property programs at the super-jumbo tier. Reserve requirements and rate structures differ from primary residence programs; I can walk you through the specifics for your scenario.
Yes. Super-Jumbo One-Time Close Construction programs cover custom builds on Sand Hollow ridgeline parcels, Snow Canyon-adjacent lots, and estate-scale sites throughout Washington County — with rate locked at origination and a single closing before the build begins.
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/
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.
