At the very top of Renton’s residential market, a genuine tier of properties exists that requires financing well beyond the standard Jumbo range. Kennydale’s most significant Lake Washington waterfront estates — properties with private dock access, unobstructed views across the lake toward the Cascade Mountains and the Eastside skyline, and the kind of irreplaceable lakefront setting that commands the same buyer attention regardless of which side of Lake Washington it sits on — reach values that place them firmly in super-jumbo territory. These are portfolio transactions: no agency framework applies, the lender underwrites on its own book, and the transaction requires a thorough, individualized view of the borrower’s complete financial picture.
I work with the portfolio lender relationships and the Lake Washington corridor market knowledge needed to serve buyers at this level — in a neighborhood that is increasingly recognized as offering comparable access to the lake at a meaningful discount to Bellevue’s Enatai or Kirkland’s Yarrow Bay waterfront.
Super-Jumbo mortgages typically begin at $3 million. Above this threshold, every transaction 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. In Renton, super-jumbo transactions are concentrated in Kennydale’s waterfront tier, where direct Lake Washington frontage, private dock rights, and irreplaceable views of the Cascade Mountains and Lake Washington create values that the standard Jumbo market cannot accommodate.
Key Features:
Loan amounts from $3 million and above
Portfolio lending — no Fannie/Freddie constraints
Asset-based and asset depletion income programs
Asset-based and asset depletion income programs
Alternative documentation for self-employed and complex-income borrowers
Primary residences, second homes, and investment properties
Lake Washington waterfront property experience
Discreet, high-touch service throughout
For Kennydale and other Lake Washington-adjacent properties in Renton and South King County
Portfolio lenders with experience in Pacific Northwest lakefront real estate and Lake Washington's specific valuation dynamics
Flexible reserve structures for executives, retirees, and asset-rich buyers
Primary and second home programs
Qualify using investment portfolios, retirement accounts, or liquid assets
Designed for retirees and high-net-worth buyers whose wealth is held in portfolios rather than current employment income
A primary tool for long-tenured Boeing executives, retired Eastside technology sector leaders, and PACCAR executives
Tailored structures for Eastside tech executives and senior Boeing professionals with complex total compensation packages
Documentation structures for RSU income, deferred compensation, and executive equity programs
Bridge-to-purchase options for buyers whose prior property has not yet sold
For fully custom builds on Kennydale lakefront parcels and premium South King County view lots
Rate locked at origination through the full build window
Single closing, no re-qualification at completion
Kennydale Lake Washington Waterfront — Kennydale's lakefront properties represent the apex of Renton's residential real estate — a small, defined tier of homes with private dock access and direct Lake Washington frontage that provides the same recreational amenity as Bellevue's Enatai or Kirkland's waterfront neighborhoods, at prices that reflect Kennydale's position on the south end of the lake rather than the premium Eastside addresses to the north. The most significant Kennydale waterfront estates — expansive lots, custom homes with contemporary architecture designed around lake views, private docks on calm waters — reach super-jumbo territory for buyers seeking genuine Lake Washington waterfront ownership in South King County.
Kennydale Lake View Tier — Immediately above Kennydale's waterfront, a tier of elevated view properties commands panoramic sight lines across Lake Washington toward the Cascade Mountains, Cougar Mountain Regional Wildland Park, and the Eastside skyline. The finest view properties in this tier, while not waterfront, produce values that approach the super-jumbo threshold for the most significant configurations on premium lots.
Direct relationships with portfolio lenders who understand Lake Washington waterfront real estate, South King County luxury property valuation, and Renton's emerging position as a premium lakeside market
Experience with the buyer profiles most common at Renton's super-jumbo tier — Boeing executives, retired technology sector leaders, Eastside buyers seeking south Lake Washington value, and asset-rich buyers with complex income documentation
Asset depletion and asset-based income programs for buyers whose wealth is in portfolios and retirement accounts rather than current employment
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 Boeing and aerospace executives use asset depletion, pension income, and investment account documentation. Technology executives use W-2s, RSU vesting history, and equity compensation records.
Property Approval — Lake Washington waterfront real estate requires lenders experienced with lakefront property valuation, dock rights, and the specific comparable sales dynamics of South Lake Washington's limited waterfront inventory.
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 — Kennydale waterfront appraisals require specialists with Lake Washington lakefront experience and access to comparable sales from both the Renton and Bellevue sides of the lake.
Closing — Typically 45-60 days for qualified borrowers; varies by property type and lender.
Portfolio lenders evaluate Lake Washington waterfront comparably regardless of which municipality the property sits in — what matters is waterfront access, dock rights, lot size, home quality, and view orientation. Kennydale waterfront properties are appraised using comparable sales from the full Lake Washington market, which includes Bellevue's Enatai neighborhood, Newcastle waterfront, and Kirkland's lakefront communities. This means Kennydale waterfront buyers have access to the same portfolio lending programs as buyers in those premium Eastside markets.
Yes. Super-Jumbo One-Time Close Construction programs cover custom builds on Kennydale lakefront parcels — with rate locked at origination and a single closing before the build begins.
Yes. Asset depletion programs calculate qualifying income from your documented portfolio and retirement account values divided over a defined drawdown period. This is a primary qualifying structure for long-tenured Boeing retirees purchasing at the top of Renton's market.
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.
