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Florida Property Type · New Construction

New Construction Mortgage in Florida

One loan that funds the build and becomes your mortgage — no second closing.

Construction-to-perm
Loan Type
One
Closings
Staged
Draws
High demand
Florida
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Get Pre-Approved in New Construction
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
New Construction · Florida

New Construction Mortgage From a Florida Mortgage Broker

Financing new construction in Florida usually means a construction-to-permanent loan: one loan, one closing, that funds the build in stages and then converts to a standard mortgage when the home is finished.

During construction you draw funds as the builder hits milestones and pay interest only on what is drawn. When the certificate of occupancy is issued, the loan rolls into permanent financing at the agreed terms — no second closing or requalifying. Buying from a production builder is different: they often have a preferred lender, but you are free to shop, and we frequently beat the builder's rate or incentives net of cost.

We line up the construction loan, manage the draw schedule with your builder, and lock the permanent terms so the project finishes on budget.

New Construction at a Glance

✓One closing covers build and permanent mortgage.
✓Interest-only on funds drawn during construction.
✓Converts to a standard loan at completion.
✓You can shop past the builder's preferred lender.

Go deeper on financing a new construction: New Construction Loan Requirements · How to Finance a New Construction · FHA New Construction Loan · Conventional New Construction Loan · DSCR New Construction Loan.

New Construction Snapshot
Loan TypeConstruction-to-perm
ClosingsOne
DrawsStaged
FloridaHigh demand
How It Works
01
Apply Online
5 min · soft credit pull only
02
Match Loan
We shop lenders for the property
03
Processing
Our team handles paperwork
04
Close
Typically 14–21 days
FAQ

New Construction Questions

How does a construction-to-permanent loan work?

You close once. The loan funds the build in staged draws as the builder hits milestones, with interest only on what is drawn. At completion it converts to a standard mortgage at pre-agreed terms — no second closing or requalifying. We manage the draws.

Do I have to use the builder's lender on a new home?

No. Production builders often push a preferred lender with incentives, but you are free to shop. We frequently beat the builder's offer once the incentive is weighed against the rate and costs. Get a competing quote before you commit.

Keep Going
New Construction Loan RequirementsHow to Finance a New ConstructionFHA New Construction LoanConventional New Construction LoanDSCR New Construction LoanAll Property TypesApply for Pre-Approval

Financing a New Construction?

A licensed Florida mortgage broker who matches the loan to the property — 5-minute pre-approval, honest numbers.

(561) 300-0380

Figures are illustrative only and vary by property, credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.