At the upper end of Park City’s real estate market, transactions regularly reach $5 million, $8 million, and beyond. Deer Valley ski estates with direct lift access, large Promontory Club ranch parcels, Empire Pass chalets, and legacy Old Town properties renovated to the highest standard represent financing territory that most lenders simply do not serve — and that most loan officers handle rarely, if at all. Super-Jumbo loans, generally defined as mortgages of $3 million or more, are portfolio products in every sense: the lender underwrites the loan on its own book, the borrower’s complete financial picture matters as much as any single metric, and the lender relationships that make these transactions possible are earned through experience, not found in a rate sheet.
I work with the portfolio lender network and the Summit County market knowledge needed to close at this level — with the discretion and personalized service that buyers at this tier expect.
Super-Jumbo mortgages typically begin at $3 million, though some portfolio lenders draw the line at $2.5 million. Above this threshold, no Fannie Mae or Freddie Mac guidelines apply. Each lender operates its own underwriting standards, its own credit box, and its own appetite for specific property types and borrower profiles. The right program for a Deer Valley estate may be a poor fit for a Promontory custom build — and vice versa. Matching borrower and property to the right lender is the core work at this tier.
Key Features:
Loan amounts from $3 million through $10 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 qualified investment properties
Ski resort and luxury mountain property experience
Discreet, high-touch service throughout
For Deer Valley, Empire Pass, and Canyons Village high-end transactions
Portfolio lenders with direct experience in Utah ski resort valuation
Flexible reserve structures for buyers with significant investment assets
Primary and second home programs
Qualifying income calculated from investable assets, not W-2 earnings
Designed for high-net-worth buyers with substantial portfolios and lower reported income
Particularly relevant for retirees, business owners, and investors purchasing in Park City
For buyers whose total relationship — banking, investments, and mortgage — justifies private bank terms
Introductions to private banking partners with Summit County lending experience
Lowest published rates available at this tier for the right borrower profile
For custom builds in Promontory, Tuhaye, Talisker, and estate parcels throughout Summit County
Rate locked at origination through an 18-24 month build window
Single closing, no re-qualification at completion
Deer Valley and Empire Pass — The most exclusive ski terrain in Utah. Estate homes and ski-in/ski-out access properties in the Deer Valley and Empire Pass corridor are among the most valuable in the Mountain West. The combination of ski access, resort services, and limited supply drives pricing into the $5-15 million range for the most sought-after properties.
Promontory Club — A private 6,000-acre golf and ranch community east of Park City, Promontory offers an entirely different lifestyle from the ski resort village — expansive parcels, equestrian facilities, private golf, and mountain modern homes that regularly trade in the $5-12 million range. Financing here requires portfolio lenders familiar with private club real estate.
Tuhaye and Talisker — Gated luxury communities south of Park City with private golf, large parcels, and mountain modern architecture. Newer builds here position buyers at the top of the Summit County market.facilities, private golf, and mountain modern homes that regularly trade in the $5-12 million range. Financing here requires portfolio lenders familiar with private club real estate.
Old Town Legacy Properties — The most exceptional Old Town homes — fully renovated historic Victorians on premium lots with mountain views and ski lift proximity — represent a distinct super-jumbo tier within the walkable Park City core.
Snyderville Basin Estates — Custom estate homes on larger parcels throughout the Snyderville Basin offer mountain views, privacy, and proximity to both Park City and Salt Lake City without the resort village price premium of Deer Valley. Upper-tier properties here regularly reach super-jumbo territory.
Direct relationships with portfolio lenders who finance luxury mountain resort properties
Experience with complex borrower profiles — business owners, self-employed professionals, executives with equity-heavy compensation, and high-net-worth buyers with asset-based income
Knowledge of Summit County's private club communities, ski resort property valuation, and luxury appraisal dynamics
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 at the super-jumbo tier evaluate total financial picture, not just income. 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. Retirement accounts, investment portfolios, and real property equity all factor in.
Income Documentation — W-2 borrowers with clean documentation qualify on straightforward programs. Business owners, self-employed professionals, and those with K-1 or equity compensation require program matching and often benefit from asset depletion or alternative documentation approaches.
Property Approval — Ski resort properties, fractional ownership structures, private club real estate, and large-acreage parcels all require lenders specifically experienced with these property types.
Initial Consultation — A private conversation about your financial profile, target property, and timeline. No obligation, full discretion.
Lender Matching — Based on your profile and property, I identify the right portfolio lender from my network — not a rate sheet, but a relationship.
Documentation & Underwriting — Super-jumbo underwriting is thorough. I guide you through exactly what's needed and manage the process throughout.
Appraisal Coordination — Luxury appraisals in Park City require appraisers with genuine Summit County experience. I coordinate with the right professionals.
Closing — Typically 45-60 days for qualified borrowers. Timeline varies based on property type and lender.
Super-Jumbo mortgages generally begin at $3 million, though some portfolio lenders draw the threshold at $2.5 million. I work with lenders across both definitions and can identify the right program regardless of where your loan amount falls.
Yes. Asset depletion programs are available for buyers with substantial investment portfolios. Qualifying income is calculated based on portfolio value divided over a defined drawdown period — a practical solution for buyers whose wealth is held in assets rather than W-2 income.
Ski-in/ski-out access commands a significant premium in Park City's market, and lender appraisals must reflect that value accurately. I work with appraisers specifically experienced in Summit County's resort property market — avoiding the appraisal gap risk that can emerge when out-of-market appraisers are assigned to luxury ski properties.
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.
