Naples is not a typical Florida real estate market, and it does not reward borrowers who work with typical mortgage lenders. In Collier County, where single-family home medians hover near $900,000 and waterfront estates in Port Royal, Aqualane Shores, and Coquina Sands routinely trade between $5 million and $30 million, conventional loan limits become a footnote. The 2026 conforming loan limit for Collier County is $832,750 — which means that nearly every serious purchase in this market crosses into Jumbo or Super-Jumbo territory. Financing here requires a lender who understands how luxury assets are structured, how high-net-worth income is documented, and how to move quickly in a market where sellers have choices.
Ryan Lehrman, NMLS #235295, brings specialized expertise in the loan programs that actually matter in Naples: Jumbo mortgages for buyers entering the upper tier, Super-Jumbo programs for estate and waterfront acquisitions, Physician mortgage loans for the physicians and surgeons recruited to NCH Healthcare System and Arthrex’s growing medical device campus, and One-Time Close Construction loans for buyers building in Golden Gate Estates, Talis Park, Kalea Bay, and other active communities across Collier County. This is not a generalist mortgage practice. It is a specialty practice built for the Naples market.
Southwest Florida’s economic growth rate consistently outpaces the state and national average, and Naples is the beneficiary of significant wealth migration from the Northeast and Midwest. Buyers arriving from New York, Chicago, and Boston bring financial profiles — equity compensation, business ownership income, investment portfolios — that require mortgage programs designed for complexity, not templates. If your financial picture does not fit a standard W-2 income model, that is not an obstacle here. It is a starting point.
Deep familiarity with Collier County's luxury price tiers, from North Naples gated communities to Old Naples waterfront estates
Jumbo and Super-Jumbo programs with loan amounts reaching $10 million and beyond
Physician mortgage loans specifically designed for residents, fellows, and attending physicians at NCH, Arthrex, and affiliated practices
One-Time Close Construction financing for custom builds across Golden Gate Estates, Talis Park, and Collier County's active new construction corridors
Asset depletion and alternative income documentation for buyers with investment portfolios and non-traditional income structures
Responsive, transparent communication from application through close — no handoffs to junior processors
Licensed and experienced: Ryan Lehrman, NMLS #235295
In Collier County, the 2026 conforming loan limit is $832,750. Any loan above that threshold is a Jumbo mortgage — and in Naples, that includes a substantial portion of the market. Park Shore single-family homes average above $2 million. The Moorings trades between $1.2 million and $5 million. Old Naples coastal properties routinely exceed $10 million. Jumbo financing in this market requires a lender who understands how Naples properties are valued, how to structure competitive offers, and how to close without the delays that cost buyers their preferred properties.
Ryan Lehrman works with Jumbo loan programs up to $3 million and beyond, with competitive qualification standards, flexible down payment structures, and documentation pathways for buyers with complex income — including self-employment, equity compensation from companies like Arthrex, and investment income.
The Super-Jumbo tier — generally defined as loans above $3 million — is where Naples distinguishes itself from virtually every other Florida market. Aqualane Shores homes sold at an average of $9.7 million in 2025. Port Royal properties routinely trade at $15 million to $30 million and above. In April 2025, a $133 million single-property transaction at 2200 Gordon Drive set the record for the most expensive single-home sale in the United States that year.
Financing at this level requires programs that accommodate asset-based income, business owner structures, and portfolio lending approaches. Ryan Lehrman works with Super-Jumbo programs that meet buyers where their financial lives actually are — not where a standard income model expects them to be.
NCH Healthcare System — Naples Comprehensive Health — is a 713-bed, two-hospital system with more than 700 independent physicians across dozens of Collier County locations. Named one of America’s Top 50 Hospitals for 2025 by Healthgrades, NCH recruits physicians and specialists to one of the most desirable practice environments in the country. Arthrex, the global orthopedic device manufacturer headquartered in Naples, employs more than 3,000 people in Collier County and maintains an active medical education and clinical research presence that draws physicians and surgeons from across the country.
Physicians arriving in Naples carry strong earning potential and challenging financial profiles: student loan debt that affects standard debt-to-income calculations, contracts that begin before the first paycheck, and income that does not reflect their actual capacity to service a mortgage. Physician mortgage loans are designed to address all of these issues — no PMI, flexible down payment options, and student debt treatment that reflects real financial standing rather than penalizing medical education.
Naples has active new construction across multiple price tiers. Golden Gate Estates — Collier County’s sprawling estate community to the east of the city — is one of the most active custom-build markets in Southwest Florida, with buyers constructing homes on one-acre to five-acre parcels priced from the $600s to well above $1 million. Kalea Bay and Talis Park represent the luxury gated new construction tier, with developer pricing well into Jumbo territory. The Moorings, Aqualane Shores, and Coquina Sands see regular teardown-and-rebuild activity driven by buyers who want a specific waterfront footprint with modern construction.
One-Time Close Construction financing consolidates the construction loan and the permanent mortgage into a single closing, eliminating the risk of rate changes between construction start and project completion and removing the cost and complexity of refinancing after the build.
The 2026 conforming loan limit for Collier County is $832,750. In a market where the single-family median for waterfront neighborhoods routinely exceeds $3 million, and where even inland communities in North Naples see regular transactions above $800,000, the majority of financed purchases in desirable Naples neighborhoods cross the Jumbo threshold. Buyers who are not working with a lender who specializes in Jumbo financing are working with a structural disadvantage from the first offer.
Naples has been one of the primary destinations for high-net-worth migration from New York, New Jersey, Connecticut, Illinois, and California. Florida’s absence of a state income tax is a significant financial driver for buyers from high-tax states — a point worth making explicit in financial planning conversations. Many of these buyers arrive with income structures that do not fit standard mortgage documentation: private equity income, deferred compensation, closely held business distributions, and investment portfolio returns. Loan programs that can accommodate alternative income documentation are not a niche feature in the Naples market — they are a core requirement.
Naples operates on a distinct seasonal demand cycle. The peak transaction window runs from November through April, driven by the annual influx of seasonal residents who evaluate whether to convert their rental or seasonal stay into a purchase. Buyers entering the market in this window are often comparing properties across multiple Southwest Florida markets and moving on compressed timelines. Pre-approval with a lender who moves quickly and communicates clearly is a tangible competitive advantage when competing for a preferred property in season.
In Collier County, the 2026 conforming loan limit is $832,750. Any loan amount above that figure is classified as a Jumbo mortgage. Given Naples' price structure — with single-family medians above $900,000 in many neighborhoods and waterfront properties transacting well above $5 million — the majority of financed purchases in desirable Naples communities require Jumbo financing.
Yes. Physician mortgage loans are specifically designed to accommodate the financial profile of residents and fellows — including deferred student loan treatment, contract-based income verification before the first paycheck, and low or no down payment options. Physicians beginning positions at NCH Healthcare System or affiliated practices in Collier County can use physician loan programs to purchase a home concurrent with their start date.
Yes, but it requires the right program. Standard conforming loan underwriting is built around W-2 income and does not accommodate business distributions, investment income, or asset-based income as well as Jumbo and Super-Jumbo programs. Alternative documentation options — including bank statement income analysis and asset depletion calculations — exist specifically for buyers in this situation and are a standard part of the Naples luxury lending toolkit.
A One-Time Close Construction loan combines the construction financing and the permanent mortgage into a single loan with one closing, one set of fees, and one interest rate lock. In Naples, where custom builds in Golden Gate Estates and luxury communities like Talis Park can take 12 to 18 months, locking the permanent rate at closing protects buyers from rate increases during construction and eliminates the cost and complexity of a second closing after the home is complete.
I’m here to support you every step of the way. If you’re ready to turn your home financing goals into your new reality, let’s work together.
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.
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