Spokane’s real estate market is defined by broad affordability relative to the western side of Washington State — but at its upper tier, the city produces a genuine luxury market that requires Jumbo financing. The Ridge at Hangman, Spokane’s premier gated estate community in the Latah Valley south of downtown, features custom homes on lots ranging from one to ten or more acres, with builds that push comfortably past Spokane County’s $832,750 conforming limit. The South Hill’s Trickle Creek and Glennaire communities — Paras Homes developments with elevated view lots overlooking the Palouse and Latah Valley — attract buyers building at Spokane’s upper price tier. The Rockwood and Manito Boulevard corridor, with its historic Craftsman and Tudor estates, its proximity to Manito Park’s Japanese garden and rose gardens, and its reputation as one of Spokane’s most established and prestigious addresses, regularly produces transactions that exceed the conforming ceiling.
I specialize in Jumbo mortgage products for Spokane buyers — with programs suited to the city’s distinct upper-tier buyer profile, including California and Western Washington relocators bringing coastal equity, self-employed professionals, healthcare executives, and buyers building custom on South Hill view lots.
A Jumbo mortgage is any home loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In Spokane County, the 2026 conforming limit is $832,750 for a single-family home. Any loan amount above this threshold is considered Jumbo and falls outside standard agency guidelines, requiring private lender underwriting.
Because Spokane’s median home price sits well below the conforming limit, Jumbo transactions here represent a meaningful upper tier — buyers purchasing or building at the top of what Spokane’s market offers. That profile tends to be distinct: established professionals, executives, healthcare leaders, relocating buyers with prior real estate equity, and custom home builders whose South Hill or Latah Valley project costs push above $832,750.
Loan amounts above $832,750 (Spokane County)
Flexible underwriting for relocating buyers, self-employed professionals, executives, and complex-income borrowers
Asset depletion and asset-based income programs for high-net-worth buyers
New construction and resale properties
Portfolio and non-QM program access
Competitive rates with personalized terms
30-45 day closing timelines for qualified borrowers
Loans from $832,750 to $2M
Flexible underwriting for W-2, self-employed, and asset-based income borrowers
Primary residences, second homes, and investment properties
New construction timelines accommodated
Strong credit profiles preferred (700+)
Multi-million-dollar financing for Ridge at Hangman acreage estates and the most exceptional custom homes in Spokane County
Asset-based and portfolio loan programs
Alternative documentation accepted for high-net-worth buyers
Discreet, high-touch service
Low or zero down payment (0-5%) for qualified medical professionals at Jumbo loan amounts
No PMI for physicians at qualifying Jumbo loan sizes
Student loan flexibility maintained at Jumbo levels
Available for Providence Sacred Heart, MultiCare Deaconess, WSU Floyd College of Medicine, and other Spokane healthcare professionals
The Ridge at Hangman — Spokane's most prestigious gated community, situated in the Latah Valley south of downtown near Hangman Creek. Every home is a custom-built property on large parcels, with homes ranging from 3,000 to over 12,000 square feet on lots from one to ten acres. The combination of privacy, acreage, and proximity to the city makes this one of Spokane County's most distinctive residential addresses. Properties here regularly reach and exceed the Jumbo threshold.
Trickle Creek — A Paras Homes community on the South Hill near the Glenrose Prairie, featuring elevated view lots with panoramic views of the Palouse and Latah Valley. The development's final phases continue to attract buyers looking for new construction quality in an established South Hill setting. Upper-tier builds with custom finishes and generous square footage push into Jumbo territory.
Glennaire — A boutique Paras Homes community atop Browne's Mountain on the South Hill, with 16 lots ranging from 13,000 to 25,000 square feet. Its elevated position provides sweeping views of the city and surrounding landscape. All floor plan types are available, with estate-scale builds that naturally reach Jumbo loan amounts.established South Hill setting. Upper-tier builds with custom finishes and generous square footage push into Jumbo territory.
Rockwood and Manito Boulevard — The Rockwood neighborhood and the Manito Boulevard corridor represent Spokane's historic luxury residential character. Tudor, Craftsman, and Colonial Revival homes on generous lots adjacent to Manito Park and Rockwood Park combine architectural significance with one of the city's most desirable addresses. Estate-scale properties in Rockwood command Spokane's highest resale prices.
Comstock and Manito — Adjacent to Rockwood and Manito Park, these established South Hill neighborhoods attract buyers who want walkability to Spokane's finest park amenity and the established residential character of Spokane's most historically significant district. Upper-tier properties here reach the Jumbo threshold for the most significant estates.
Knowledge of Spokane's premium neighborhoods — Ridge at Hangman, Trickle Creek, Glennaire, Rockwood, Manito Boulevard, and the South Hill's upper tier
Flexible Jumbo programs for California and Western Washington relocators, self-employed professionals, healthcare executives, and complex-income borrowers
Asset depletion and asset-based income programs for buyers whose wealth is held in investments rather than current W-2 earnings
Physician Jumbo programs for healthcare professionals at Spokane's major medical institutions
Fast, transparent approvals with direct lender relationships
20+ years of experience — NMLS #235295
Strong Credit Profile — Typically 700+ for standard Jumbo programs, with some lenders preferring 720–740 for the most competitive terms.
Low Debt-to-Income Ratio — Most programs prefer DTI under 43%, with flexibility for high-asset borrowers qualifying via asset depletion.
Significant Cash Reserves — 6–12 months of mortgage payments in reserves is typical.
Stable, High Income — W-2, self-employed, asset-based, and retirement income borrowers all qualify under the right programs. Healthcare executives, established professionals, and California or Seattle equity relocators are among the most common Jumbo buyer profiles in Spokane.
Pre-Qualification — Review your income, assets, and target property or community.
Program Selection — Identify the best Jumbo program for your financial profile.
Application & Underwriting — Efficient process for qualified borrowers.
Approval & Closing — Typically 30-45 days for resale; new construction timelines accommodated.
Funding — Move into your Spokane home with confidence.
Jumbo transactions are concentrated in Spokane's upper tier — the Ridge at Hangman, Trickle Creek, Glennaire, and the Rockwood and Manito Boulevard corridor. As Spokane has attracted buyers relocating from higher-cost markets in Western Washington and California, demand for upper-tier financing has grown alongside the city's premium residential communities.
Equity proceeds from a prior home sale are a meaningful asset in Jumbo underwriting — supporting reserves and potentially enabling asset depletion qualifying income. I work with California and Western Washington relocators regularly and understand how to position prior equity for the cleanest possible approval.
Yes. Jumbo One-Time Close Construction programs are available for custom builds in Trickle Creek, Glennaire, and on standalone South Hill parcels — covering land acquisition and construction in a single loan with rate locked at origination.
Ready to finance your upper-tier Spokane property? Schedule a confidential consultation today.
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.
