(352) 397-4000 info@floridahomeloans.org


Whether building your dream home or embarking on a development project, our tailored construction loan solutions are designed to support your journey from start to finish. With competitive rates and flexible terms, our expert team is here to guide you through every step, ensuring a smooth and successful build. Discover how we can help turn your vision into reality—explore our construction loan options today.

What is a Construction Loan?

A construction loan is a special type of mortgage designed specifically to finance the process of constructing a new home or commercial property. Unlike traditional home loans that provide a lump sum payment to the seller, construction loans are disbursed in stages, aligning with the project’s milestones. This approach ensures financial flexibility and security for both the builder and the borrower.

What type of Construction Loans do we offer?

We offer FHA/VA/USDA & Conventional One-Time Constuction Loans, as well as more traditional Construction-to-perm construction financing whether you are looking to self-build or hire a builder to complete your project.

Who Can Benefit from a Construction Loan? 

Construction loans offer a unique financial solution for individuals and entities looking to build their dream home or embark on a commercial construction project. Unlike traditional loans, construction loans are designed to provide the necessary funds in stages, aligning with the various phases of the construction process. This specialized form of financing can be the key to turning your construction dreams into reality.


  • Individuals Building Their Dream Home

    If you’ve envisioned creating your home from the ground up, tailored to your exact preferences and needs, a construction loan can make this dream possible. These loans are ideal for future homeowners who have specific ideas and plans for their living space but require the financial backing to start the project. With a construction loan, you can finance everything from the land purchase to the construction costs, ensuring your vision comes to life.

  • Real Estate Developers

    Real estate developers engaged in residential or commercial projects stand to benefit significantly from construction loans. These loans provide the necessary capital to break ground on new developments, whether for single-family homes, apartment complexes, or commercial buildings. By securing a construction loan, developers can manage cash flow more effectively, ensuring that each phase of the project is funded and completed on time.

  • Investors Flipping Properties

    For investors looking to purchase, renovate, and sell properties, construction loans can offer the flexibility and financial support needed for extensive renovations. These loans can cover the cost of buying the property and the expenses associated with remodeling and upgrading, making them a valuable tool for flipping homes.

  • Custom Builders and Contractors

    Custom builders and contractors working on contract for clients can also benefit from construction loans. These loans can help manage the costs associated with materials, labor, and other expenses, ensuring the project stays on track financially from start to finish.

How to Apply for a Construction Loan? 

Get Started

Applying for a construction loan is a straightforward process. Here’s how to get going:

  1. Check Your Qualifications: Let’s look at your finances to make sure you’re ready for a loan.
  2. Share Your Plan: Tell us about your construction project. We’ll need to see your building plans and budget.
  3. Fill Out an Application: Complete a loan application with your personal and financial details.
  4. Property Review: We’ll check out your project’s plans to make sure everything looks good.
  5. Close the Deal: Once approved, you’ll sign the loan agreement and start getting the funds for your project.

Tips for Success

  • Gather Your Documents: Having your paperwork ready can make the process smoother.
  • Understand Your Loan: Know your loan terms, like how you’ll get the money and when you need to pay it back.
  • Stay in Touch: Keep us updated on your project, and reach out if you have any questions.

Contact us to learn more or get started today!

Why Choose Us?

With our extensive 20 plus years of experience in mortgage financing, we excel in delivering financing options tailored to suit our customers’ needs. Discover why people love working with us by exploring our outstanding reviews.

By collaborating with a wide range of investors and lenders, we proudly offer a diverse range of loan programs. Our utmost aim is to provide borrowers with the most optimal financing solutions available.