Peoria may be the most exciting city in Arizona right now for custom home builders. The city is master-planning two massive development corridors — North Peoria Gateway (1,600 acres) and Peoria Innovation Core (6,700 acres) — with infrastructure investment underway since 2025. Westwing Mountain continues to attract buyers who want to build hillside custom estates with panoramic preserved-desert views. And Shea Homes, Lennar, and Toll Brothers recently acquired nearly 300 acres of Arizona state land in Peoria specifically for new construction — a signal of extraordinary confidence in the city’s residential future.
For buyers who want to build rather than buy, a One-Time Close Construction Loan is the most efficient path forward — combining land, construction, and permanent mortgage into a single transaction with one closing and one rate lock.
A One-Time Close Construction Loan — sometimes called a
Construction-to-Permanent loan — combines three phases of financing into a single loan product:
Land Acquisition — Financing for the purchase of your Peoria lot, whether a Westwing Mountain hillside parcel, a north Peoria acreage property, or a lot within an established community like Vistancia
Construction Phase — Draw-based financing released as your builder reaches defined project milestones throughout the build
Permanent Mortgage — Automatic conversion to your long-term home loan upon 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, protects you from rate movement during the build, and dramatically reduces the complexity and cost of getting into your finished home.
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
Draw management support throughout the build
Available at Jumbo-level amounts for Peoria luxury builds
30–45 day closing timeline pre-construction for qualified borrowers
For builds in the $500K–$1.5M range
Fixed or adjustable permanent rate options
Applicable to Vistancia custom lots, Aloravita, and new communities throughout north Peoria
New primary residence builds with approved licensed builders
For luxury custom builds above the $806,500 Maricopa County conforming limit
Ideal for Westwing Mountain hillside estates and premium north Peoria parcels
Portfolio and non-QM options for complex income profiles
Financing aligned with the scale and timeline of high-end desert estate construction
Designed for Peoria-area medical professionals building a primary residence
Low-to-zero down payment with no PMI
Student loan flexibility in underwriting
Ideal for physicians joining HonorHealth's Peoria campuses who want to build rather than buy in Vistancia or Westwing Mountain
Westwing Mountain — Peoria's premier custom build destination. Lots positioned between Peoria West Wing Mountain Preserve and Sunrise Mountain Preserve allow buyers to build hillside estates with panoramic 360-degree desert and city views. HOA-approved plans for 4,000–5,000+ square-foot custom homes with guest areas, game rooms, and resort pools are actively moving through city approval. Builds here require Jumbo One-Time Close Construction financing for the most expansive projects.
North Peoria — Innovation Core Adjacent — As the 6,700-acre Peoria Innovation Core master plan matures and infrastructure comes online, forward-looking buyers are securing land in north Peoria ahead of the development wave. Building now positions buyers to benefit from the growth while locking in current land prices and construction costs.
Vistancia Custom Lots — Within the larger Vistancia master plan, select custom lot opportunities in and around the Blackstone and Village communities allow buyers to build within one of Arizona's most recognized master-planned addresses. Surrounded by established luxury and resort-quality amenities, these lots are rare and in consistent demand.
Aloravita and Sanctuary at Aloravita — Newer communities in north Peoria near the Golden Mountain Preserves, with active builders including Ashton Woods and Shea Homes delivering modern desert homes in a scenic, mountain-view setting. A strong option for buyers who want new construction quality in an established plan community.
Lake Pleasant Corridor — Larger parcels in the area surrounding Lake Pleasant Regional Park attract buyers who want acreage, privacy, and access to one of Arizona's premier outdoor recreation destinations — boating, fishing, and camping minutes from home.
Experienced in construction-to-permanent financing across Peoria's diverse build landscape
Jumbo One-Time Close programs for Westwing Mountain hillside builds and north Peoria estate-scale projects
Understanding of hillside lot, mountain-view parcel, and custom home underwriting considerations
Draw management expertise to keep your build on schedule and on budget
Single point of contact from land purchase through move-in
20+ years of Arizona mortgage experience — NMLS #235295
Qualified Builder Required — Your builder must be licensed, insured, and approved through the loan underwriting process. I work with borrowers upfront to ensure builder documentation meets program requirements.
Detailed Construction Plans — Lenders require full architectural plans, building permits, and a construction budget. For luxury Peoria builds — especially hillside properties in Westwing Mountain — custom appraisals are completed based on the planned finished value.
Strong Borrower Profile — Income, credit, and reserve requirements are similar to a standard Jumbo or conforming purchase loan, depending on the build size and program.
Realistic Timeline — Most custom home builds run 9–18 months. One-Time Close loans are structured with this in mind — interest-only payments during construction protect your cash flow throughout.
Pre-Qualification — We review your income, assets, target parcel, and build plans to identify the right program and structure.
Builder Approval — Your licensed Peoria-area builder is reviewed and approved as part of the underwriting process.
Single Closing — One closing covers land, construction financing, and permanent loan — before construction begins.
Construction Draws — As your builder reaches milestones, funds are released through a structured draw process. I coordinate throughout.
Completion & Conversion — Once your Peoria custom home is complete, the loan automatically converts to your permanent mortgage. No second closing, no re-qualification.
Traditional construction loans require two separate closings — one for construction financing and one for the permanent mortgage — each with its own costs, rate negotiation, and qualification process. A One-Time Close loan eliminates the second closing entirely, locks your permanent rate upfront, and converts automatically at completion.
Yes. Hillside and mountain-view parcels are eligible, though underwriting considers the property type, access, utilities, and comparable finished values. Westwing Mountain builds are a scenario I work with specifically — they represent some of Peoria's most compelling build opportunities.
Yes. Jumbo One-Time Close programs are available for luxury builds in Westwing Mountain, Vistancia custom lots, and north Peoria's emerging corridors — where land values and construction costs push total project costs above the $806,500 conforming limit.
Construction timelines and budgets shift — it's part of the process. We build appropriate contingency buffers into the financing structure upfront, and I stay in close contact with your builder throughout the draw process to identify and address any issues early.
Yes. Larger parcels near Lake Pleasant Regional Park are eligible. Given the unique nature of these properties, underwriting includes a thorough property-specific appraisal and review.
Building your custom home in Peoria starts with the right financing foundation. Let’s talk through your land, your builder, and your vision.
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.
