At the top of Bellevue’s residential market — and the Eastside’s real estate landscape more broadly — sit properties with no parallel in Washington State. West Bellevue’s Enatai neighborhood, with its Lake Washington-adjacent parcels, architect-designed custom homes, and proximity to downtown Bellevue, represents one of the Pacific Northwest’s most exclusive residential addresses. Clyde Hill and Medina, the independent cities immediately adjoining Bellevue, are home to some of the most significant private waterfront estates on Lake Washington — properties where lot sizes, setting, and the rarity of true lakefront inventory combine to create values that extend from $5 million to well above $30 million. These are portfolio transactions by definition: the loan amounts are beyond Fannie Mae and Freddie Mac’s universe, the borrower profiles are among the most financially complex in the country, and the right lender match requires genuine relationship access and market knowledge.
The super-jumbo buyer in Bellevue is typically a senior technology executive — a Microsoft corporate vice president, an Amazon executive with years of accumulated equity, a founder who has taken a company public or through a significant liquidity event — or a high-net-worth individual attracted to the Eastside’s combination of lake access, world-class schools, and proximity to one of the most dynamic technology economies in the world. I serve this tier with the portfolio lender relationships, income documentation expertise, and discretion that these transactions require.
Super-Jumbo mortgages typically begin at $3 million. At this level and above, every transaction is portfolio lending — each institution sets its own guidelines, and matching the right lender to the specific combination of borrower profile and property type is the central work. In Bellevue and the adjacent Eastside communities of Clyde Hill and Medina, the $3 million threshold is not the ceiling of the market — it is often the entry point. The most exceptional waterfront estates in Medina, the largest custom builds in West Bellevue, and the
compound-scale properties on Clyde Hill can reach $10–30 million and beyond.
Key Features:
Loan amounts from $3 million and above
Portfolio lending — no Fannie/Freddie constraints
Asset-based and asset depletion income programs
Alternative documentation for founders, executives, and equity-rich technology professionals
Primary residences, second homes, and investment properties
Lake Washington waterfront property experience
Discreet, high-touch service throughout
For Medina, Clyde Hill, Enatai, and other Lake Washington-adjacent properties
Portfolio lenders with genuine experience in Pacific Northwest lakefront and ultra-luxury residential real estate
Flexible reserve structures for executives and retirees with complex asset profiles
Primary and second home programs
Tailored structures for Microsoft, Amazon, Meta, Google, and other Eastside tech employer senior executives
Documented RSU history, grant schedules, deferred compensation plans, and stock option valuations used to establish qualifying income
Bridge-to-purchase options for buyers whose prior equity event — a vesting tranche, a secondary transaction, or a liquidity event — has not yet settled
Structures for buyers transitioning between employers or roles mid-purchase process
Qualifying income calculated from investable assets rather than W-2 earnings
Designed for early retirees from the technology sector, founders post-liquidity event, and high-net-worth buyers whose primary wealth is in investment portfolios rather than current employment income
A primary tool for buyers at the top of Bellevue's market whose financial profile is built around wealth rather than current income
For fully custom builds on remaining West Bellevue and Enatai parcels, and estate-scale sites throughout the Eastside
Rate locked at origination through the full build window
Single closing, no re-qualification at completion
Medina — One of the most exclusive ZIP codes in the United States. Medina occupies a small peninsula on the western shore of Lake Washington, immediately across the water from Seattle's Madison Park neighborhood. Lakefront properties here — many with private docks extending into Lake Washington — represent the apex of Eastside residential real estate, with values that routinely reach $10–30 million and have exceeded $100 million for the most significant estates. Bill Gates's compound on the lake is the most famous example of what Medina's waterfront represents as a residential category. Market activity is limited and transactions are often off-market; portfolio lender relationships are essential.
Clyde Hill — An independent city adjacent to Bellevue with elevated views of Lake Washington, the Olympic Mountains, and the Seattle skyline across the water. Estate homes on Clyde Hill's premier parcels — large lots, mature landscaping, and architecture that ranges from midcentury classics to contemporary custom builds — represent some of the Eastside's most consistent ultra-luxury demand. Many properties reach or exceed $5–15 million for the most significant estates.
West Bellevue — Enatai and Vuecrest — The most prestigious neighborhoods within Bellevue city limits. Enatai's lakeside setting, tree-canopied streets, and custom homes on generous parcels produce a consistent tier of $3–10 million transactions. Vuecrest's elevated position with territorial views adds a different dimension of luxury. Both neighborhoods are within walking distance of downtown Bellevue's world-class dining and retail.
Direct relationships with portfolio lenders who understand Lake Washington waterfront real estate, ultra-luxury Eastside property valuation, and the unique income profiles of the Pacific Northwest technology sector
Experience with the buyer profiles most common at Bellevue's super-jumbo tier — technology executives, founders post-liquidity event, and early retirees from the tech sector
Asset depletion and equity compensation programs for buyers whose wealth is in portfolios and vested stock rather than current salary
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 at this tier. Net worth relative to loan size, liquidity, and post-close reserves are central to underwriting.
Post-Close Reserves — 12 to 24 months of PITI in liquid or near-liquid assets is typical at the $3M+ tier. Medina and Clyde Hill transactions may require more.
Income Documentation — Technology executives use W-2s, RSU grant schedules, vesting histories, and employment agreement documentation. Founders and early retirees use asset-based or depletion income structures. Self-employed buyers use CPA letters, P&L statements, and business returns.
Property Approval — Lake Washington waterfront real estate, private gated estates, and large-parcel custom homes require lenders experienced with these property types and the specific appraisal dynamics of the ultra-luxury Eastside 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 — Medina and Clyde Hill appraisals require specialists with genuine Lake Washington lakefront experience and access to off-market comparable sales data.
Closing — Typically 45-60 days for qualified borrowers; varies by property type and lender.
This is one of the most common profiles at Bellevue's super-jumbo tier. The qualification typically combines documented RSU income from a consistent two-year vesting history, W-2 base salary, and — depending on the loan amount — asset depletion income from your investment portfolio. I work with portfolio lenders who understand this income profile specifically and can structure the qualification efficiently.
Medina is an independent city that uses a separate ZIP code from Bellevue, but it is geographically and practically part of the Eastside real estate market. Most portfolio lenders evaluate it as part of the greater Bellevue luxury market, and I serve buyers in Medina, Clyde Hill, Yarrow Point, and Hunts Point alongside Bellevue itself.
Yes. Super-Jumbo One-Time Close Construction programs cover custom builds on remaining Enatai and West Bellevue parcels — with rate locked at origination and a single closing before the build begins.
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.
