New construction is an active and growing segment of Everett’s housing market. The city’s combination of relative affordability within the Seattle metropolitan area, strong employment anchored by Boeing and Naval Station Everett, and expanding transit connectivity through Everett Station and Paine Field has sustained consistent buyer demand for new homes across a wide range of price tiers. Production builders including Century Communities are delivering new communities at accessible Snohomish County price points. Infill construction in Northwest Everett and the historic core brings new single-family homes and townhomes to established neighborhoods with strong walkability and waterfront proximity. And at the upper end of the market, custom builds on remaining Mukilteo Boulevard bluff parcels and view lots throughout the city offer buyers the opportunity to design a home specifically around the Pacific Northwest setting that defines Everett’s residential character.
For all of these buyers, a One-Time Close Construction Mortgage Loan is the most efficient financing structure. One closing before the build begins. One set of closing costs. A rate locked at origination — protecting against rate movement across a 6- to 12-month Snohomish County construction cycle. Automatic conversion to permanent financing when the home is complete. No second application, no re-qualification, no second closing.
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 homesite, whether a lot in an active Snohomish County community, an infill parcel in an established Everett neighborhood, or a bluff-top lot along the Mukilteo Boulevard corridor
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 Everett and Snohomish County builders
Available at Jumbo-level amounts for upper-tier and custom builds
30–45 day closing timeline for qualified borrowers pre-construction
For builds in the conforming range up to $1,063,750 (Snohomish County high-balance limit)
Fixed or adjustable permanent rate options
Works with all active Snohomish County production and semi-custom builders, including Century Communities
Physician-friendly versions available with 0-5% down and no PMI
For builds above $1,063,750 — Mukilteo Boulevard bluff custom homes, Harborview view properties, and upper-tier custom construction throughout Snohomish County
Portfolio and non-QM options for Boeing executive income, aerospace compensation, and complex income profiles
Extended construction timelines accommodated
Available to eligible veterans and active-duty service members connected to Naval Station Everett
No down payment required for qualifying VA borrowers
A central financing tool for Everett's substantial military community
For buyers working with a licensed custom builder on a private parcel, bluff-top lot, or view site
Covers land purchase and construction in a single transaction
Suited to homes designed around Port Gardner Bay views, Puget Sound panoramas, Olympic Mountain sight lines, and the Pacific Northwest landscape that defines Everett's premium residential settings
Northwest Everett Infill — The city's historic core continues to see infill construction activity as older homes on desirable lots are replaced with new single-family homes and townhomes. Proximity to downtown Everett, the waterfront, and Providence Regional Medical Center's campus makes Northwest Everett infill particularly attractive for buyers who want new construction quality in an established, walkable neighborhood. One-Time Close programs within the conforming limit are the standard tool for most Northwest Everett infill builds.
Silver Lake Area — One of Everett's most family-friendly suburban neighborhoods, Silver Lake offers a mix of older homes and newer developments centered on the lake and its parks. New construction activity continues in and adjacent to Silver Lake, including the Silver Lake Townhomes community near the shores of the lake. Production and semi-custom builds here are well-suited to standard One-Time Close programs.
Edgewater and Harbor's Edge — The Edgewater neighborhood has seen new construction activity delivering view townhomes — such as the Harbor's Edge community by Sage Homes NW — with Port Gardner Bay views, open-concept layouts, and modern finishes. One-Time Close programs accommodate both standard and view-premium builds in this emerging neighborhood.
Mukilteo Boulevard Custom Builds — The most distinctive new construction opportunity in Everett: custom homes on remaining bluff-top parcels along Mukilteo Boulevard, where total project costs — land plus construction — regularly enter Jumbo territory given the premium value of bluff-top sites overlooking Port Gardner Bay. Jumbo One-Time Close programs are the standard financing tool for these builds, and the longer construction timelines typical of custom bluff construction are accommodated.
Port of Everett Waterfront Place — The Port of Everett's $1 billion Waterfront Place development plans to deliver up to 660 waterfront homes alongside retail, office, and marina amenity space. As residential units in this development come to market, both standard and Jumbo One-Time Close programs may be applicable depending on unit pricing, configuration, and project structure.
Broader Snohomish County Communities — Active new construction extends throughout the Everett metropolitan area, including Marysville, Mukilteo, Mill Creek, Lynnwood, Bothell, and communities along I-5 north of Everett. Production and semi-custom builders throughout these communities are active, and One-Time Close programs are available across the county regardless of which incorporated city the build site falls within.
Experienced in One-Time Close Construction financing with production, semi-custom, and fully custom builders throughout Snohomish County
Knowledge of Everett's new construction landscape — Northwest Everett infill, Silver Lake, Edgewater, Mukilteo Boulevard custom builds, and production communities throughout the county
Jumbo One-Time Close programs for Mukilteo Boulevard bluff custom homes and upper-tier Snohomish County view builds
Physician One-Time Close programs for healthcare professionals building in Everett and Snohomish County
VA One-Time Close programs for eligible veterans and active-duty service members at Naval Station Everett
Understanding of Boeing and aerospace income documentation for construction loan qualification
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 builders like Century Communities and established regional builders throughout Snohomish County are readily approvable; custom builders require additional credentialing documentation.
Construction Plans and Budget — Production and semi-custom builder purchases use standard contracts. Custom builds on Mukilteo Boulevard, bluff-top lots, and other complex sites require full plans, permits, and a detailed budget before underwriting.
Strong Borrower Profile — Income, credit, and reserve requirements align with the appropriate conforming or Jumbo program tier. Boeing income documented with W-2s, pay stubs, and employment verification including overtime and shift differential history. VA eligibility documentation required for VA programs.
Realistic Timeline — Production homes in Snohomish County typically run 6-10 months. Custom builds on bluff-top parcels and other complex sites run 10-18 months. One-Time Close programs are structured for both.
Pre-Qualification — Review your income, assets, builder, and site to identify the right program and loan tier.
Builder Approval — Your Snohomish 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 Mukilteo Boulevard bluff parcels — including land acquisition and construction in a single loan with rate locked at origination. These programs accommodate the longer build timelines typical of custom bluff construction, and the rate lock provides meaningful financial protection across the build cycle.
Yes. VA One-Time Close Construction loans are available to eligible veterans and active-duty service members throughout Snohomish County — with no down payment required. Given the size of the Naval Station Everett community, this is a meaningful and frequently used construction financing option in the greater Everett area.
Yes. Physician One-Time Close programs allow qualifying healthcare professionals to build in Everett and throughout Snohomish County with favorable terms — including low or no down payment and no PMI.
Boeing overtime and shift differential income with a two-year documented history can be included as qualifying income for One-Time Close Construction loan approval. I work with Boeing employee profiles regularly and understand how to correctly document all components of aerospace industry compensation for construction loan underwriting.
Building your new home in Everett 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.
