Ogden’s new construction activity spans the full spectrum — from production builder communities along the valley floor to custom home builds on east bench parcels where buyers commission homes designed around the Wasatch views. South Weber and the Highway 89 corridor have active builder communities delivering modern floor plans with mountain access. The hillside streets above 36th Street and ascending toward Ogden Canyon offer a more limited but prestigious custom build environment where larger lots and canyon proximity justify a fully bespoke approach. And throughout Weber County, buyers who want to build rather than buy are taking advantage of land that remains available at price points that have largely disappeared further south on the Wasatch Front.
For all of these buyers, a One-Time Close Construction Loan is the most efficient path: one closing before the build begins, one set of costs, a rate locked at origination, and automatic conversion to permanent financing when the certificate of occupancy is issued. No re-application, no second closing, no exposure to a rate environment that may have shifted over a 6 to 12-month build.
I offer One-Time Close Construction financing for Ogden builds across all price tiers — from Weber County production communities to custom east bench 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 building parcel within an Ogden new construction community or on a standalone Weber County lot
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 Ogden and Weber 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 Weber County production and semi-custom builders
Physician-friendly versions available with 0-5% down and no PMI
For builds above $806,500 — east bench custom homes, canyon-adjacent parcels, and upper-tier new construction throughout Weber County
Portfolio and non-QM options for complex income profiles
Custom construction timelines accommodated
For buyers working with a licensed custom builder on an east bench parcel, canyon lot, or larger hillside site
Covers land purchase and construction in a single transaction
Suited to homes designed around Wasatch views and the Ogden Canyon corridor
South Weber and Plain City Corridors — Active production builder communities in communities adjacent to Ogden are delivering modern floor plans with strong school access and easy commutes to Ogden, Clearfield, and Hill Air Force Base. Standard One-Time Close programs are well-suited to these communities, and fully configured builds here regularly approach or exceed the conforming ceiling for buyers who select premium lots and upgrade packages.
East Bench Custom Builds — Ogden's east bench above 36th Street and climbing toward the canyon mouth offers a limited but consistently active custom build market. Buyers who acquire parcels here commission homes designed specifically for the hillside setting — elevated foundations oriented toward Wasatch views, outdoor living spaces suited to the terrain, and finishes that distinguish a custom build from production inventory. These projects regularly reach Jumbo territory.
Ogden Canyon Adjacent — Properties at the entry to Ogden Canyon offer the most scenic setting in Weber County. Custom builds on canyon-adjacent lots require experienced builders familiar with terrain, slope, and local permitting requirements — and One-Time Close programs that accommodate the longer and more complex timelines these builds involve.
Weber County New Development — Harrisville, North Ogden, and Farr West have active new development at price points that offer Ogden access without the city's density. These communities attract buyers who want newer construction and Weber County school access at accessible price points.
Experienced in One-Time Close Construction financing with production and custom builders throughout Weber County
Physician One-Time Close programs available for healthcare professionals building in Ogden
Knowledge of Ogden's east bench build environment, canyon-adjacent parcel requirements, and Weber County permitting landscape
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 Weber County are readily approvable; custom builders require additional credentialing documentation.
Construction Plans and Budget — Production builder purchases are straightforward. Custom builds require full plans, permits, and a detailed budget before underwriting.
Strong Borrower Profile — Income, credit, and reserve requirements are similar to a standard conforming or Jumbo purchase loan, depending on the build size.
Realistic Timeline — Production homes in Weber County typically run 6-10 months. Custom east bench and canyon-adjacent builds may run 10-18 months. One-Time Close programs are structured for both.
Pre-Qualification — Review your income, assets, builder, and community to identify the right program.
Builder Approval — Your Weber 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 completion. No second closing. No re-qualification.
Yes. Jumbo One-Time Close programs cover custom builds on east bench parcels, including land acquisition and construction in a single loan with rate locked at origination.
Traditional construction financing requires two closings, each with its own costs and qualification process. A One-Time Close loan eliminates the second closing, locks your permanent rate upfront, and converts automatically at completion — no refinancing risk.
Yes. Physician One-Time Close programs allow qualifying medical professionals to build in Ogden with as little as 0-5% down and no PMI.
Yes. Jumbo One-Time Close programs cover custom and upper-tier new construction above $806,500 in Weber County.
Building your new home in Ogden 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.
