When it comes to building your dream home, you need a financing partner that understands the process inside and out. At Mortgage Capital, we specialize in construction home loans designed to make building your home in Florida seamless and stress-free. Whether you’re starting from scratch or need funding to complete an ongoing project, our expert loan officers are here to guide you every step of the way.

What is a Construction Home Loan?

A construction home loan is a short-term loan that covers the costs of building a home. Unlike traditional mortgages, construction loans release funds in phases, known as draws, as construction progresses. Once your home is complete, the loan can either be converted into a long-term mortgage (construction-to-permanent loan) or refinanced based on your financial needs.

Why Choose Mortgage Capital?

Expert Guidance – Our team has years of experience in Florida’s housing market and construction financing.
Flexible Loan Options – Choose from construction-only or construction-to-permanent loans with competitive rates.
Streamlined Process – One application, one set of closing costs, and easy-to-follow steps.
High Loan-to-Value (LTV) Ratios – Finance up to 90% of the total home value, reducing your upfront costs.
Fast Approval Process – We process loans quickly so you can start building without delays.

The Benefits of Building vs. Buying

Building a home allows you to:
Customize Every Detail – Design your home exactly how you want, from layout to finishes.
Use Energy-Efficient Materials – Save on utility costs and make your home eco-friendly.
Avoid Costly Repairs – A new home means no outdated systems or hidden issues.
Enjoy New Home Warranties – Many builders offer warranties on appliances and structural components.

How to Qualify for a Construction Home Loan

Lenders evaluate credit scores, debt-to-income (DTI) ratio, and financial stability before approving a construction loan. At Mortgage Capital, we require:
Credit Score of 620 or Higher
Stable Employment & Income Verification
Detailed Home Plans & Cost Estimates
Lot Purchase Agreement (if applicable)

Need to improve your credit score? We offer tips and strategies to help boost your financial standing before applying.

The Mortgage Capital Loan Process

  1. Pre-Approval – Find out how much you can borrow.
  2. Choose a Builder – Work with a reputable contractor to finalize blueprints and project costs.
  3. Apply for Your Loan – Submit your application along with required documents.
  4. Construction Begins – Loan funds are disbursed in phases as milestones are met.
  5. Final Inspection & Move-In – Once your home is complete, the loan converts into a traditional mortgage.

Why Mortgage Capital for your Construction Home Loans?

At Mortgage Capital, we’re committed to making your home construction journey smooth and hassle-free. Unlike banks, we offer personalized service, lower closing costs, and faster approvals—because we know that time is money when building a home.

Get Started Today!

Call us at 561-300-0380 to speak with a loan expert. Serving homebuyers across Florida with top-tier construction loan solutions.

Let Mortgage Capital help you build the home you’ve always envisioned. Apply now and start turning your dream into reality!