Buying or building a home in Phoenix, Arizona is an exciting milestone — and having the right mortgage partner makes all the difference. I specialize in helping physicians, high-income professionals, and luxury homebuyers secure financing that fits their unique needs in the Phoenix metropolitan area.
From Arcadia to North Phoenix, Ahwatukee to the Biltmore corridor, I understand Phoenix’s neighborhoods, price points, and market dynamics. Whether you need a Jumbo loan for a luxury estate, a Physician mortgage with minimal down payment, or a One-Time Close Construction loan to build your dream custom home in the Valley, I provide personalized guidance every step of the way.
With over 20 years of experience and deep roots in the Phoenix community — I’m an ASU graduate and proud Valley resident — I help you find the loan that’s right for you with transparency, care, and expertise.
20+ years of experience serving Arizona borrowers
Specialization in Jumbo, Super-Jumbo, Physician, and Construction Loans
Personalized guidance for high-income and complex financial profiles
Deep knowledge of Phoenix real estate markets — from Arcadia to North Phoenix
Fast, transparent approvals with direct lender relationships
NMLS #235295
Financing beyond conforming limits for Phoenix’s luxury homes — in Arcadia, the Biltmore, North Phoenix, and beyond. Flexible underwriting for high-income borrowers with loan amounts starting above $806,500.
Multi-million-dollar financing for Phoenix’s most prestigious properties. Ultra-luxury estate financing with asset-based programs, portfolio loans, and discreet, personalized service for ultra-high-net-worth buyers.
Designed for Phoenix-area MDs, DOs, dentists, and medical residents. Zero-to-low down payment, no PMI, and flexible underwriting that accounts for student loan debt and deferred income.
Building a custom home in Phoenix? Combine land purchase, construction financing, and permanent mortgage into a single loan — streamlined approvals, draw management, and seamless conversion to permanent financing.
Phoenix’s luxury market continues to see strong demand, particularly in neighborhoods like Arcadia, the Biltmore Corridor, and North Phoenix. With home values rising, many buyers need Jumbo financing to secure their ideal property in competitive price ranges.
Home to Banner Health, HonorHealth, Mayo Clinic Phoenix, and one of the country’s fastest-growing medical school networks, Phoenix attracts physicians and medical professionals who benefit significantly from specialized Physician Mortgage programs.
With land availability in North Phoenix, the East Valley, and surrounding areas, more buyers are opting to build rather than buy. Our One-Time Close Construction loans streamline the process for Phoenix custom home builders.
With Arizona’s conforming loan limit around $806,500 in Maricopa County and Phoenix luxury home prices regularly exceeding $1M+, Jumbo loans are a standard financing tool for Phoenix buyers — not an exception.
Phoenix’s competitive real estate environment rewards buyers who have financing ready. Working with a Phoenix-based mortgage specialist means faster pre-approvals, quicker closes, and a trusted local advocate in your corner.
In Maricopa County (which includes Phoenix), loans exceeding the conforming limit — currently around $806,500 — are generally considered Jumbo. Super-Jumbo loans typically begin at $1.5M and above.
Yes. Physician Mortgage programs are specifically designed for MDs, DOs, DDS, DMDs, and other medical professionals. These programs allow 0–5% down, often waive PMI, and account for student loan debt — even for residents and fellows early in their careers.
A One-Time Close Construction Loan combines land acquisition, construction financing, and permanent mortgage into a single loan with one set of closing costs. During construction, you make interest-only payments. Once your Phoenix custom home is complete, the loan converts automatically to permanent financing — no second closing required.
Most standard Jumbo programs recommend a credit score of 700 or higher, though requirements vary by lender and program. For portfolio and non-QM programs, I can review your full financial picture and find the best-fit option even if your profile is complex.
With proper documentation in hand, most Jumbo and Physician loan approvals can be completed within 30–45 days. I prioritize efficient timelines without sacrificing thoroughness — because in Phoenix's active market, speed matters.
Yes. I serve buyers throughout the greater Phoenix metro — including Arcadia, Biltmore, North Phoenix, Ahwatukee, Tempe, Chandler, Gilbert, Peoria, Glendale, Laveen, and surrounding communities.
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.
Who we are
Our website address is: https://staging.loansbylehrman.com/
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