At the very top of Spokane’s real estate market, a small but genuine tier of properties exists that requires financing well beyond the standard Jumbo range — estate-scale custom homes at the Ridge at Hangman on parcels of five to ten acres along Hangman Creek and the Latah bluffs, architect-designed builds on the South Hill’s most dramatic view lots overlooking the Palouse and the city below, and the most significant historic estates on the Rockwood and Manito Boulevard corridor where Spokane’s residential heritage reaches its highest expression. These are portfolio transactions: no Fannie Mae or Freddie Mac framework applies, the lender underwrites on its own book, and the deal is driven by a thorough, individualized view of the borrower’s complete financial picture.
I work with the portfolio lender relationships and the Spokane market knowledge needed to serve buyers at this level — with the discretion that high-value transactions require.
Super-Jumbo mortgages typically begin at $3 million. Above this threshold, every deal is portfolio lending — each institution sets its own guidelines, and the right lender match depends on the specific combination of borrower profile and property type. Spokane’s
super-jumbo tier is small but real, concentrated in the Ridge at Hangman’s most expansive estate properties, the South Hill’s
highest-end custom builds, and the occasional significant historic estate on the Rockwood or Manito corridor. What works for a retired business owner purchasing a Ridge at Hangman acreage estate may be a different program than what serves a California technology executive building a custom home on a South Hill ridgeline parcel.
Loan amounts from $3 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 vacation properties
Inland Northwest luxury property experience
Discreet, high-touch service throughout
For Ridge at Hangman and other premium Spokane County estate properties
Portfolio lenders with experience in Eastern Washington luxury and acreage real estate
Flexible reserve structures for retirees and asset-rich buyers
Primary and second home programs
Qualifying income calculated from investable assets rather than W-2 earnings
Designed for retirees and high-net-worth buyers whose wealth is held in portfolios rather than current employment income
A primary tool for buyers who have retired early, sold businesses, or arrived with substantial equity from California or Western Washington real estate
Tailored structures for buyers arriving with substantial equity from Seattle's or California's high-value markets
Bridge-to-purchase options for buyers whose prior home has not yet sold
Documentation structures suited to the complex financial profiles of equity-rich relocators
For fully custom builds on Ridge at Hangman acreage lots, South Hill view parcels, and estate-scale sites throughout Spokane County
Rate locked at origination through the full build window
Single closing, no re-qualification at completion
The Ridge at Hangman — Spokane's most exclusive residential address. Located in the Latah Valley south of downtown, the Ridge at Hangman is a premier gated community where every home is a custom build on large private parcels — some approaching ten acres along Hangman Creek and the Latah bluffs. Home sizes range from 3,000 to over 12,000 square feet. The combination of privacy, acreage, natural setting, and proximity to the city creates a residential tier unlike anything else in Spokane County. The most significant estates in the Ridge reach super-jumbo territory in terms of land, construction cost, and market value.
South Hill Custom Estate Builds — The South Hill's premier new development communities — Trickle Creek, Glennaire atop Browne's Mountain, and the Highland Park and Manito Club Estates corridors — harbor a tier of estate-scale custom builds where view parcels, premium construction, and high-end finishes combine to push total project value above the standard Jumbo range. Builders like Paras Homes and other custom contractors work regularly at this level on the South Hill.
Rockwood Historic Estates — The Rockwood neighborhood's most significant properties — large-lot Tudor and Colonial Revival homes adjacent to Rockwood Park, some listed in historic registries, designed by noted Spokane architects — represent the apex of Spokane's historic residential market. A small number of the most significant estate-scale properties in Rockwood reach super-jumbo territory.
Direct relationships with portfolio lenders who understand Eastern Washington luxury real estate, acreage property valuation, and Spokane County's distinct upper-tier market
Asset depletion and asset-based income programs for buyers whose wealth is in portfolios rather than current employment
Experience with the buyer profiles most common at Spokane's super-jumbo tier — retirees, California and Western Washington equity relocators, self-employed professionals, and asset-rich buyers with complex income documentation
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 evaluate the complete financial picture. 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.
Income Documentation — Retired buyers and high-net-worth individuals with investment income benefit significantly from asset depletion programs. Self-employed buyers and business owners use CPA letters, P&L statements, and business bank statements.
Property Approval — Acreage estate properties, private gated communities, and large-parcel custom builds require lenders experienced with these property types and Eastern Washington's real estate market.
Initial Consultation — A private conversation about your financial profile, target property, and timeline.
Lender Matching — I identify the right portfolio lender from my network based on your profile and property type.
Documentation & Underwriting — Thorough review, guided throughout by a single point of contact.
Appraisal Coordination — Spokane super-jumbo appraisals — particularly acreage estate and custom build properties — require appraisers with genuine Spokane County luxury market knowledge and experience with limited comparable sales.
Closing — Typically 45-60 days for qualified borrowers; varies by property type and lender.
Yes. Asset depletion programs calculate qualifying income from your portfolio value divided over a defined drawdown period — a practical and lender-accepted approach for buyers whose retirement assets are substantial relative to the purchase price. This is one of the most common qualifying structures for Spokane's super-jumbo buyer profile.
Yes. Super-Jumbo One-Time Close Construction programs cover estate-scale custom builds at the Ridge at Hangman, including land acquisition and construction in a single loan with rate locked at origination. These programs accommodate the longer build timelines typical of acreage estate construction.
Yes. Portfolio lenders can finance significant historic properties in Rockwood, Manito, and the South Hill corridor. The appraisal process for historic estate properties requires appraisers with the appropriate market experience; I coordinate this as part of the transaction.
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.
