Park City is unlike any other real estate market in Utah. At 7,000 feet in Summit County’s Wasatch Mountains, it’s home to two of the country’s top ski resorts — Park City Mountain and Deer Valley — a historic Old Town walking district, and private luxury communities including Promontory, Tuhaye, and Talisker. Median home prices regularly exceed $2 million, and Summit County’s high-cost conforming loan limit of $1,149,825 — well above the $806,500 ceiling for most of Utah — reflects how exceptional this market truly is. Even so, many Park City transactions land in Jumbo territory, with Deer Valley estates, ski-in/ski-out chalets, and Promontory ranch homes routinely trading from $3 million to $10 million and beyond.
For buyers moving into Park City’s upper price tiers, Jumbo and Super-Jumbo financing are the norm, not the exception. For physicians and healthcare professionals commuting to Intermountain Health and University of Utah Health facilities across the Wasatch Front, Physician Mortgage programs offer a path to ownership in a market that would otherwise require a much larger down payment. And for buyers building custom homes in Promontory, Tuhaye, or on Old Town infill lots, One-Time Close Construction loans provide the rate certainty and single-closing simplicity that a complex mountain build demands.
20+ years of experience serving Utah borrowers across Summit County and the Wasatch Front
Knowledge of Park City's distinct submarkets — Old Town, Deer Valley, Empire Pass, Canyons Village, Promontory, and the Snyderville Basin
Specialization in Jumbo, Super-Jumbo, Physician, and One-Time Close Construction loans
Personalized guidance for physicians and healthcare professionals at Intermountain Health and University of Utah Health
Access to portfolio and non-QM programs for complex income profiles — including self-employed professionals, seasonal earners, and high-net-worth buyers with variable compensation
Experience with vacation home and second home financing for Wasatch Front buyers purchasing in Park City
Fast, transparent approvals with direct lender relationships
NMLS #235295
Financing above Summit County’s high-cost conforming limit of $1,149,825 for Park City’s upper-tier properties — ski-in/ski-out residences in Deer Valley and Empire Pass, Old Town Victorians, Canyons Village condos, and Snyderville Basin homes that exceed the conforming ceiling.
Multi-million-dollar financing for the most exceptional properties in Summit County. Deer Valley estates, Promontory Club ranch homes, Tuhaye and Talisker parcels, and custom builds above the $3 million threshold — where portfolio lending and direct lender relationships define whether a deal closes.
Designed for physicians, dentists, and healthcare professionals purchasing in Park City. Zero-to-low down payment, no PMI, and flexible underwriting that accounts for student loan debt and new employment contracts — including for residents and attendings relocating to the Salt Lake Valley.
Most of Utah operates under the standard conforming loan limit of $806,500. Summit County is different: its high-cost designation raises the 2025 conforming limit to $1,149,825, which means more Park City purchases qualify for conforming financing than buyers sometimes expect. That said, the concentration of properties priced from $2 million to well above $5 million means Jumbo and Super-Jumbo lending is a consistent part of the market — not a specialty edge case. Understanding where the conforming boundary sits, and which programs apply above it, is a fundamental part of financing a Park City home.
Park City Mountain and Deer Valley are not just amenities; they are the defining characteristic of Summit County real estate.
Ski-in/ski-out properties command the highest premiums, but proximity to the mountain — the ability to ski to and from your home or be on the lift within minutes — affects value across a wide band of the market. Appraisals in this environment require appraisers with genuine knowledge of how ski access is valued in Park City’s specific submarkets. Lenders without Summit County experience can generate appraisal gaps that threaten to unwind a deal. I work with appraisers and lender partners who know this market.
A significant portion of Park City buyers are Wasatch Front residents — Salt Lake City, Provo, and Draper professionals — purchasing a Park City property as a second home, vacation retreat, or short-term rental investment. Financing for non-primary residences involves different reserve requirements, rental income treatment, and rate structures than primary residence loans. I work with this buyer profile regularly and can structure financing accordingly.
Promontory, Tuhaye, Talisker, and the Canyons area all have active custom and semi-custom home construction. Summit County build timelines run long — 12 to 18 months is common given elevation, seasonal weather, and the complexity of mountain modern architecture. One-Time Close Construction loans that accommodate extended build periods are essential in this market.
infrastructure and a growing upper-tier housing market, West Jordan delivers.
Summit County's 2025 high-cost conforming loan limit is $1,149,825. Loans above that amount are considered Jumbo. This is significantly higher than the $806,500 limit that applies in most of Utah.
Yes. Physician Mortgage programs allow 0-5% down, often waive PMI, and use favorable treatment for student loan debt. Park City's proximity to Wasatch Front medical centers makes it a compelling purchase for physicians who want mountain access without leaving the Salt Lake Valley's medical employment base.
A One-Time Close Construction Loan combines land acquisition, construction, and permanent mortgage into a single loan with one set of closing costs. It converts automatically at completion — no second closing required. These loans are particularly well-suited to Park City's long build timelines and custom community requirements in Promontory, Tuhaye, and similar developments.
Yes. I serve buyers throughout Summit County — including Old Town, Deer Valley, Empire Pass, Canyons Village, the Snyderville Basin, Promontory, Tuhaye, and Talisker.
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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