Custom home construction is an active and consistent part of Park City’s real estate landscape. Private communities like Promontory, Tuhaye, and Talisker were designed around custom and semi-custom builds — buyers acquire a parcel and commission a home built to their specifications, from the foundation to the final finish. Old Town Park City sees a steady stream of infill construction on premium lots where buyers replace older structures with new homes designed around the canyon views and mountain setting. And throughout the Snyderville Basin, larger parcels accommodate estate-scale custom builds for buyers who want Park City access without the resort village footprint.
For buyers building in any of these contexts, a One-Time Close Construction Loan — also called a construction-to-permanent loan — is the most efficient financing tool available. One closing before construction begins, one set of closing costs, a rate locked at origination, and automatic conversion to permanent financing when the home is complete. No re-application when the build is done, no risk of qualifying for a different loan in a changed rate environment.
I offer One-Time Close Construction financing for Park City builds across all price tiers — from Snyderville Basin production builds to Promontory estate homes well above $3 million.
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 building parcel within a Park City private community or on a standalone Summit County lot
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 12 to 18 months in Park City — 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 West Jordan builders
Available at Jumbo-level amounts for upper-tier builds
30–45 day closing timeline for qualified borrowers pre-construction
For builds in the $400K-$806,500 range — covering the majority of West Jordan's new construction market
Fixed or adjustable permanent rate options
Works with Ivory Homes, Richmond American, Woodside Homes, and other active West Jordan builders
Physician-friendly versions available with 0-5% down and no PMI
For builds above $806,500 — the largest floor plans in West Jordan's upper-tier new construction communities
Portfolio and non-QM options for complex income profiles
Financing aligned with premium new construction timelines
For buyers working with a licensed custom builder outside of a national builder community
Covers land purchase and construction in a single transaction
Suited to custom builds on larger western parcels, infill lots, and ADU-equipped properties in established West Jordan neighborhoods
Ivory Homes — Utah's largest privately-held homebuilder is active in West Jordan with well-crafted floor plans across multiple communities. Ivory Homes has a strong track record and a well-established One-Time Close construction financing process that works seamlessly with purchase financing.
Richmond American Homes — Richmond American is actively building in West Jordan's growth corridors, delivering flexible floor plan options and a structured upgrade process. Their new construction communities near the South Jordan border include move-up and luxury-tier homes in the 2,500-4,000 sq ft range.
Woodside Homes — Woodside Homes delivers well-designed single-family homes in West Jordan with modern floor plans and mountain view communities. Their West Jordan builds offer 4- and 5-bedroom options suited to families seeking quality new construction at accessible Salt Lake County prices.
Regional and Custom Builders — West Jordan's western parcels and infill lots also attract regional and custom builders working with buyers who want a one-of-a-kind home designed from the ground up. These projects are well-suited to the Custom Build One-Time Close program.
Experienced in One-Time Close Construction financing with all major builders active in West Jordan
Physician One-Time Close programs available for residents and new attendings building in the city
Knowledge of builder timelines, draw processes, and new construction lending requirements for all active West Jordan communities
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. All major national builders active in West Jordan are readily approvable.
Construction Plans and Budget — National builder purchases are straightforward — the builder's standard contract and specifications typically satisfy lender documentation requirements. Custom builds require full plans, permits, and a detailed budget.
Strong Borrower Profile — Income, credit, and reserve requirements are similar to a standard conforming or Jumbo purchase loan, depending on the build size.
Realistic Timeline — West Jordan production home builds typically run 6-10 months for national builders. One-Time Close loans are structured to accommodate these standard production timelines.
Pre-Qualification — Review your income, assets, builder, and community to identify the right program.
Builder Approval — Your West Jordan builder is reviewed and approved as part of underwriting. National builders require minimal additional documentation.
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. Ivory Homes and Richmond American are nationally recognized builders readily approvable under One-Time Close construction loan guidelines. I work with their build timelines and documentation requirements regularly.
A traditional construction loan requires two closings — one before construction and one at completion — each with its own costs and qualification process. A One-Time Close loan eliminates the second closing, locks your permanent rate upfront, and converts automatically at completion.
Yes. Physician One-Time Close programs are available — allowing qualifying medical professionals to build a new home with as little as 0-5% down and no PMI, even on construction loan amounts.
Most national builder homes in West Jordan are completed in 6-10 months. One-Time Close loans are structured to accommodate these standard production timelines.
Building your new home in West Jordan starts here. Let’s talk through your builder, your community, 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.
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