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 — in exchange for using their preferred lender. Furthermore, these incentives often cost more in interest over the life of the loan than they save upfront.
As an independent Florida mortgage broker, Mortgage Capital is not tied to any builder. Therefore, we shop dozens of lenders and often find rates 0.25–0.75% lower than the builder's lender — which translates to thousands in savings annually. Additionally, we handle the extended rate locks (60–90 days) that new construction closings require.
Furthermore, we work with every major Florida builder market — Palm Beach County's active communities in Westlake, Avenir, and Arden; Broward County's new developments; St. Lucie County's Tradition and Riverland communities; and Martin County's new construction 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.