At the very top of Vancouver’s real estate market sits a tier of properties defined by one of the Pacific Northwest’s most dramatic residential settings — estate homes directly on the Columbia River along the Old Evergreen Highway corridor, where private docks extend into the river, floor-to-ceiling windows frame Mount Hood on the eastern horizon, and the Portland skyline glows across the water at night. These are properties with no true comparable in the
Portland-Vancouver metropolitan area, and their values reflect that rarity. At the super-jumbo tier, portfolio lending is the only path: no agency framework applies, the lender underwrites on its own book, and the transaction is built entirely around a complete view of the borrower’s financial profile.
I work with the portfolio lender relationships and the Clark County market knowledge needed to serve buyers at this level — with the discretion that high-value Columbia River 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. Vancouver’s super-jumbo tier is concentrated almost entirely in the Columbia River waterfront corridor — the Old Evergreen Highway, Tidewater Cove, and the most exceptional estate properties with private river access and direct frontage on one of the most significant waterways in the American West.
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
Columbia River waterfront property experience
Discreet, high-touch service throughout
For Old Evergreen Highway, Tidewater Cove, and Columbia River frontage properties
Portfolio lenders with experience in Pacific Northwest waterfront real estate and the Columbia River's specific valuation dynamics
Flexible reserve structures for executives, 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 buyers who have retired from Portland-area business leadership, Oregon's technology sector, or careers in the Pacific Northwest's trade and industrial economy
Tailored structures for Oregon business owners and executives relocating to Vancouver for Washington's income tax advantage
Documentation structures suited to Oregon-source business income, equity compensation, and ownership stakes
Bridge-to-purchase options for buyers whose Oregon property has not yet sold
For fully custom waterfront builds on Columbia River parcels and estate-scale sites throughout Clark County
Rate locked at origination through the full build window
Single closing, no re-qualification at completion
Old Evergreen Highway — Columbia River Waterfront — The defining address of Vancouver's super-jumbo market. Estate properties along this corridor occupy some of the most coveted real estate in the Portland-Vancouver metropolitan area — direct Columbia River frontage, private docks, dramatic views of Mount Hood and the Portland skyline, and the privacy of established residential lots set back from the highway. Many of these properties have been held by the same owners for decades, making even modest turnover a market event. The most significant Columbia River waterfront estates in Clark County reach well into super-jumbo territory.
Tidewater Cove — A luxury riverfront condo and townhome community east of Columbia Way, Tidewater Cove offers a more accessible entry point into Columbia River living — but its most exceptional units and penthouse-level properties approach super-jumbo pricing for buyers who want river views without the maintenance of a full estate.
Columbia River Hillside View Estates — For buyers who prefer elevated riverfront views without direct water access, hillside properties above the Columbia on the Vancouver side offer panoramic sight lines across the river, the Gorge entrance, and the Portland metropolitan area. The most significant estate properties on these ridgelines — custom builds on large lots with unobstructed views — reach super-jumbo territory for the most exceptional configurations.
Direct relationships with portfolio lenders who understand Columbia River waterfront real estate, Pacific Northwest luxury property valuation, and Clark County's distinct upper-tier market
Experience with the buyer profiles most common at Vancouver's super-jumbo tier — Oregon executives relocating for tax advantage, Portland-area business leaders, retirees with investment portfolios, and buyers seeking the Columbia River lifestyle
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. Oregon business owners use Oregon tax returns, business bank statements, and CPA letters. W-2 executives use standard documentation plus bonus and equity compensation records.
Property Approval — Columbia River waterfront real estate has specific appraisal requirements given the limited number of comparable sales, the complexity of waterfront access and dock rights, and federal and state regulations governing riverfront property use. Lenders experienced with this property type are essential.
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 — Columbia River waterfront appraisals require specialists with genuine Clark County and Portland-Vancouver metro waterfront market experience. I coordinate this as part of the transaction.
Closing — Typically 45-60 days for qualified borrowers; varies by property type and lender.
Yes. Oregon-source business income qualifies for Washington super-jumbo financing. I work regularly with Oregon business owners and executives relocating to Clark County and understand how to document and position this income profile for portfolio lenders at the super-jumbo tier.
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 Columbia River parcels and estate-scale waterfront sites throughout Clark 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.
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