West Jordan’s new construction market has been steadily climbing — and in its western growth corridors, the most expansive and fully upgraded homes are approaching and crossing the Salt Lake County conforming loan limit of $806,500. Ivory Homes is actively building in West Jordan’s upper-tier communities, delivering large-footprint floor plans that rival developments elsewhere in the Salt Lake Valley. National builders like Richmond American and Woodside Homes offer homes in the $650K-$850K range — with upgrades, lot premiums, and structural options pushing the most premium selections into Jumbo territory. For buyers who want the best of what West Jordan’s active new construction market offers, Jumbo financing is increasingly part of the conversation.
I specialize in Jumbo mortgage products for buyers at the top of West Jordan’s market — with flexible underwriting for new construction timelines, high-income professionals, and buyers whose compensation includes equity or variable components.
A Jumbo mortgage is any home loan that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In Salt Lake County — which includes West Jordan — the conforming limit is $806,500 for 2025. Any loan above that threshold is considered Jumbo.
While many West Jordan transactions fall below this limit, the city’s premium new construction communities and the most expansive resale homes in established neighborhoods like Westland Estates and along the Jordan Bluffs corridor do occasionally cross into Jumbo territory — particularly for buyers who are upgrading significantly or building in the upper tier of the new construction pipeline.
Loan amounts above $806,500 (Salt Lake County)
Flexible underwriting for high-income and complex profiles
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 $806,500 to $1.5M
Flexible underwriting for high-income borrowers
Primary residences and second homes
New construction timelines accommodated
Strong credit profiles preferred (700+)
Multi-million-dollar financing for exceptional properties and custom builds
Asset-based and portfolio loan programs
Alternative documentation accepted
Discreet, high-touch service
Low or zero down payment (0–5%)
No PMI for qualifying medical professionals
Student loan flexibility maintained at Jumbo levels
Available for Jordan Valley Medical Center, University of Utah Health, and other Salt Lake Valley physicians
New Construction Near the South Jordan Border — The communities straddling West Jordan's southern boundary with South Jordan include some of the most ambitious new builds in the southwest valley — larger lots, premium finishes, and modern floor plans that frequently approach or exceed the conforming limit for fully configured homes.
Bingham Junction and the Transit Corridor — The Bingham Junction mixed-use development near the Jordan Valley TRAX Station includes higher-density residential at price points that have climbed with demand. The most spacious and premium units in this transit-oriented corridor represent the city's entry point into Jumbo-adjacent pricing.
4800 West Growth Corridor — An active stretch of new construction activity by national builders targeting the move-up market. Buyers who select larger floor plans with structural upgrades and premium lot positions may find their total purchase in Jumbo range.
Custom Builds on Western Acreage — The less-developed western reaches of West Jordan — larger parcels with Oquirrh Mountain views — remain available for custom builds where land cost plus construction easily reaches Jumbo levels for buyers who want a one-of-a-kind property.
Knowledgeable about West Jordan's active new construction landscape and upper-tier resale market
Flexible Jumbo programs suited to both new builds and established home purchases
Physician Jumbo programs for healthcare professionals working at Jordan Valley Medical Center and other Salt Lake Valley medical institutions
Fast, transparent approvals with direct lender relationships
20+ years of experience — NMLS #235295
Strong Credit Profile — Typically 700+ for standard Jumbo programs.
Low Debt-to-Income Ratio — Most programs prefer DTI under 43%, with flexibility for high-asset borrowers.
Significant Cash Reserves — 6-12 months of mortgage payments in reserves is typical.
Stable, High Income — W-2, self-employed, and equity compensation borrowers all qualify under the right programs. USANA Health Sciences executives, Silicon Slopes professionals, and business owners are common income sources for upper-tier West Jordan buyers.
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 West Jordan home with confidence.
Jumbo transactions represent the top tier of West Jordan's market — primarily occurring in the largest new construction floor plans near the South Jordan border and along the 4800 West corridor, as well as custom builds on larger western parcels. As new construction prices continue to rise, Jumbo loans will become more common in this market.
Yes. New construction Jumbo loans accommodate builder timelines, including extended close dates and construction contingencies. I work with all active West Jordan builders.
Yes. Physician Jumbo programs allow qualifying medical professionals to purchase at or above the conforming limit with as little as 0-5% down and no PMI.
Ready to finance your upper-tier West Jordan 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.
