New Construction Mortgage Florida
Financing your new Florida home build — without using the builder's preferred lender. As your independent Florida mortgage broker, we shop for the best rate the builder's lender won't offer you.
Don't Use the Builder's Preferred Lender
Florida's builder-affiliated lenders offer incentives — closing cost credits, appliance upgrades, rate buydowns — to steer you toward their preferred lender. The problem is those incentives often cost more in lifetime interest than they save upfront.
Official resource: CFPB — Mortgage Resources.
As an independent Florida mortgage broker, Mortgage Capital isn't tied to any builder. We shop dozens of lenders and routinely find rates 0.25–0.75% below the builder's lender. That adds up to thousands in savings a year. We also handle the extended rate locks (60–90 days) that new construction closings need.
We're active in every major Florida builder market. That includes Palm Beach County's communities in Westlake, Avenir, and Arden; Broward County's new developments; St. Lucie County's Tradition and Riverland; and Martin County's new builds in Palm City and Hobe Sound.
Get a Builder Loan Comparison
We'll show you exactly how much you save using an independent FL mortgage broker vs. the builder's lender.
Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.