New construction is one of the defining characteristics of St. George’s real estate market. Desert Color, Sunriver, and Sun River are among the most active master-planned communities in Southern Utah, delivering hundreds of homes annually across a range of price tiers and architectural styles designed for the high desert climate and outdoor lifestyle that define Washington County living. Sand Hollow’s emerging residential corridor attracts custom builders working with buyers who want reservoir views and red rock terrain as permanent features of their backyard. And Entrada at Snow Canyon continues to see estate-scale custom activity on one of the most spectacular settings in the Mountain West.
For all of these buyers, a One-Time Close Construction Loan is the most efficient path to their new home. One closing before the build begins, one set of costs, a rate locked at origination, and automatic conversion to permanent financing when the home is ready for
occupancy. No second application when the build is done, no risk that the rate environment has moved during a 6- to 12-month Southern Utah construction cycle.
I offer One-Time Close Construction financing for St. George builds across all price tiers — from Desert Color production builds to Entrada estate custom homes.
A One-Time Close Construction Loan — sometimes called a Construction-to-Permanent loan — combines three phases of financing into a single loan product:
Land or Lot Acquisition — Financing for your homesite within a St. George master-planned community or on a standalone Washington County parcel
Construction Phase — Draw-based financing released as your builder hits defined milestones throughout the build
Permanent Mortgage — Automatic conversion to your long-term home loan at completion — no second closing, no re-qualification, no additional closing costs
Unlike traditional two-close construction financing, a One-Time Close loan locks your interest rate at origination — protecting you from rate movement during a build that may take 6 to 12 months — and eliminates the administrative burden and cost of a second closing.
Key Features:
Single closing — one set of closing costs
Rate locked at origination for the life of the loan
Interest-only payments during construction phase
Automatic conversion to permanent financing at completion
Works with all licensed St. George and Washington County builders
Available at Jumbo-level amounts for upper-tier builds
30–45 day closing timeline for qualified borrowers pre-construction
For builds in the conforming range up to $806,500
Fixed or adjustable permanent rate options
Works with all active Washington County production and semi-custom builders
Physician-friendly versions available with 0-5% down and no PMI
For builds above $806,500 — Entrada custom builds, Sand Hollow ridgeline homes, and upper-tier custom construction throughout Washington County
Portfolio and non-QM options for complex income profiles
Extended construction timelines accommodated
For buyers working with a licensed custom builder on a private parcel, ridgeline lot, or canyon-adjacent site
Covers land purchase and construction in a single transaction
Suited to homes designed around Sand Hollow views, Snow Canyon proximity, or Entrada's red rock landscape
Desert Color — One of Southern Utah's largest and most innovative master-planned communities, Desert Color is anchored by a 2.5-acre lagoon amenity and delivers homes from national builders at a wide range of price points. The community's design reflects St. George's high desert character — covered outdoor living spaces, water-efficient landscaping, and architecture suited to 300+ days of sun per year. Production and semi-custom builds here are well-suited to standard One-Time Close programs.communities. Ivory Homes has a strong track record and a well-established One-Time Close construction financing process that works seamlessly with purchase financing.
Sunriver and Sun River — Two of St. George's most established master-planned communities. Sunriver is particularly popular among active adults and retirees, offering golf, resort-style amenities, and an age-qualified section alongside standard residential options. Sun River is a premier 55+ active adult community with an award-winning golf course, fitness center, and extensive activity programming. New construction in both communities remains active across price tiers.
Sand Hollow Corridor — The emerging residential landscape around Sand Hollow Reservoir represents St. George's most exciting custom build environment. Buyers who acquire ridgeline or view parcels here commission homes specifically designed for the red rock and reservoir setting — with outdoor living oriented to the landscape, pools and spas, and interiors that bring the outdoors in. Jumbo One-Time Close programs are the standard tool for this segment.
Entrada at Snow Canyon — The most prestigious custom build address in Southern Utah. Entrada's remaining homesites are among the most sought-after in Washington County, with custom builds on parcels adjacent to Snow Canyon State Park's sandstone formations. Total project costs here are in the Jumbo and Super-Jumbo range; One-Time Close programs with extended build windows and appropriate loan tiers are essential.
Experienced in One-Time Close Construction financing with production, semi-custom, and fully custom builders throughout Washington County
Knowledge of St. George's master-planned community build timelines, custom parcel requirements, and the unique construction considerations of Southern Utah's high desert climate
Jumbo One-Time Close programs for Sand Hollow, Entrada, and other upper-tier St. George custom builds
Physician One-Time Close programs available for healthcare professionals building in Southern Utah
Single point of contact from lot selection through move-in
20+ years of experience — NMLS #235295
Qualified Builder Required — Your builder must be licensed, insured, and approved through the loan underwriting process. National and regional builders active in St. George's master-planned communities are readily approvable; custom builders require additional credentialing documentation.
Construction Plans and Budget — Production and semi-custom builder purchases use standard contracts. Custom builds in Entrada, Sand Hollow, or on standalone parcels require full plans, permits, and a detailed budget before underwriting.
Strong Borrower Profile — Income, credit, and reserve requirements align with the appropriate conforming or Jumbo program tier depending on build cost. Asset depletion programs available for California and Nevada relocators and retirees with portfolio income.
Realistic Timeline — Production homes in Washington County typically run 6-10 months. Custom builds at Entrada, Sand Hollow ridgeline sites, and other complex parcels run 10-18 months. One-Time Close programs are structured for both.
Pre-Qualification — Review your income, assets, builder, and site to identify the right program and loan tier.
Builder Approval — Your Washington County builder is reviewed and approved as part of underwriting.
Single Closing — One closing covers lot, construction financing, and permanent loan — before a single foundation is poured
Construction Draws — Funds released as your builder reaches milestones. I coordinate with the builder throughout.
Completion & Conversion — Your loan converts automatically at the certificate of occupancy. No second closing. No re-qualification.
Yes. Jumbo One-Time Close programs cover custom builds at Entrada, including land acquisition and construction in a single loan with rate locked at origination. These programs accommodate the longer build timelines typical of Entrada's estate-scale custom homes.
Traditional construction financing requires two closings — one before construction and one at completion — each with its own costs and qualification process. A One-Time Close loan eliminates the second closing, locks your rate upfront, and converts automatically at completion. In a market where build timelines run 10-18 months, rate protection is a substantial financial benefit.
Yes. Physician One-Time Close programs allow qualifying healthcare professionals to build in St. George with as little as 0-5% down and no PMI, including in Jumbo loan size ranges.
Yes, with the right program structure. Bridge and equity-based solutions exist for buyers whose prior home sale is pending. I can walk you through the options for your specific timeline.
Building your new home in St. George starts here. Let’s talk through your builder, your site, and your timeline.
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.
