Surprise’s ultra-luxury tier is small and exclusive — but it is growing faster than almost anywhere in the Phoenix metro. The most expansive Toll Brothers estate homes in Sterling Grove — fully loaded with $100,000+ in upgrades, golf course frontage, outdoor living compounds, and every resort amenity a buyer could want — are pushing past $1.5M and establishing a new ceiling for West Valley luxury. These transactions require a different level of financing expertise: asset-based qualification programs, portfolio lenders, and a lender who is accustomed to working with high-net-worth buyers whose financial profiles don’t always fit a conventional mold.
I specialize in Super-Jumbo mortgage financing for Surprise’s top-tier buyers — with discreet, personalized service from first consultation through closing.
A Super-Jumbo mortgage typically refers to loans of $1.5 million and above — beyond the Maricopa County conforming limit of approximately $806,500 and above the standard Jumbo threshold. In Surprise, this covers the most expansive and most premium homes in Sterling Grove — fully upgraded Toll Brothers estates on premier golf course lots — as well as the top tier of Copper Canyon Ranch and other West Valley luxury communities.
These loans are held in a lender’s own portfolio rather than sold to government agencies — creating more flexibility for the right borrower, but requiring a comprehensive review of your complete financial picture.
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 individual profile
Loans from $1.5M to $5M and beyond
Held in lender portfolio — more flexible underwriting
Ideal for high-net-worth buyers with complex income
Primary and secondary residences
Customized rate and term structures
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 Surprise
Super-Jumbo financing for the most expansive Toll Brothers estate builds in Sterling Grove
Construction draw coordination with Toll Brothers' build timeline
Permanent financing lock-in from contract through completion
Sterling Grove — Premier Estate Lots with Golf Frontage — The most coveted addresses within Sterling Grove are the homes positioned directly on the Nicklaus Design golf course — enjoying unobstructed fairway and mountain views, immediate access to the course, and the prestige of the community's finest locations. Fully upgraded Toll Brothers estate builds on these lots, with $100,000+ in premium finishes, resort-scale outdoor living, sunken hot tubs, courtyard entries, and private primary suite retreats, push comfortably past $1.5M and into Super-Jumbo territory.
Sterling Grove — Custom-Configured Builds — Buyers who engage Toll Brothers early in the construction process have the opportunity to configure floor plans, upgrade packages, and lot positions that result in one-of-a-kind estate homes within the community. The most ambitious of these builds — spanning 3,700+ square feet with every available upgrade — can reach $1.5M to $2M when all selections are factored in.
Copper Canyon Ranch — Upper Estate Tier — The most expansive homes in this quieter north Surprise enclave, particularly those on larger lots with White Tank Mountain views, represent the top of the community's market and begin pushing into Super-Jumbo territory for the most fully appointed properties.
Specialized expertise in complex, multi-million-dollar loan structures
Access to portfolio and asset-based programs not available through traditional banks
Experience with Toll Brothers build timelines and new construction closing coordination
Discreet, high-touch service aligned with the privacy expectations of UHNW clients
20+ years of Arizona mortgage experience — NMLS #235295
Substantial Net Worth or Assets — Asset-based programs can use investment portfolios, retirement accounts, real estate equity, or other substantial assets for qualification.
Strong or Complex Income — W-2, business ownership, passive income, consulting, or a combination — I work across diverse income structures.
Exceptional Property Profile — The property itself matters in Super-Jumbo underwriting. Custom appraisals and property-specific review are part of every transaction at this level.
Discretion and Privacy — I operate with confidentiality as a priority from first consultation through closing.
Confidential Consultation — A private conversation to understand your financial profile and property goals.
Program Identification — I identify the best portfolio, asset-based, or alternative documentation program.
Documentation & Underwriting — A thorough, efficient process for complex borrower profiles.
Approval & Terms — Personalized rate and term structure reviewed in detail before you commit.
Closing & Funding — Smooth, on-time closing for your Surprise ultra-luxury property.
Super-Jumbo loans generally begin at $1.5 million. In Surprise, this covers the most premium golf-frontage estates in Sterling Grove and the top tier of Copper Canyon Ranch.
Yes. Asset-based qualification programs allow you to leverage investment portfolios, retirement accounts, or other liquid and semi-liquid assets without traditional pay stubs or tax returns.
I coordinate closely with the Toll Brothers construction timeline, ensuring draw management aligns with build milestones and that permanent financing is in place for a smooth conversion at completion. I'm experienced with new construction builder timelines.
Super-Jumbo closings typically require 45–60 days due to the complexity of underwriting and documentation review. For new construction, we structure financing to align with Toll Brothers' projected completion date.
Ultra-luxury financing deserves an ultra-personalized approach. Let’s discuss what’s possible.
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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