One-time close construction loans in Florida.
Florida construction lending favors borrowers who can demonstrate one approval, one closing, and a builder who's ready to break ground. The one-time close program is built for that - and it's especially powerful for Maine families building in Florida before they relocate.
Choose your program path.
Conventional One-Time Close Construction Loan
A conventional single-close construction-to-permanent loan combines lot, build, and permanent mortgage into one approval and one closing for qualifying borrowers.
FHA One-Time Close Construction Loan
FHA's single-close construction-to-permanent program lets eligible borrowers build a new primary residence with a low down payment and one set of closing costs.
VA One-Time Close Construction Loan
VA's single-close construction loan lets eligible veterans and service members build a primary residence with VA-eligible financing and one closing.
USDA One-Time Close Construction Loan
USDA's Single-Close Construction-to-Permanent program supports new builds in USDA-eligible rural areas with one closing and no down payment for qualifying borrowers.
Local context, statewide coverage.
Tampa Bay / Apollo Beach
New builds across Tampa, St. Petersburg, Brandon, Apollo Beach, and the Tampa Bay metro.
Sarasota
Custom homes from Sarasota to Venice, Lakewood Ranch, and the surrounding county.
Orlando
Greater Orlando construction loans for in-town builds and the surrounding Central Florida market.
Jacksonville
Northeast Florida custom builds - Jacksonville, St. Johns, Nocatee, and the First Coast.
Southwest Florida
Fort Myers, Cape Coral, Naples, Bonita Springs - Southwest Florida custom construction.
Every county in Florida.
All 67 Florida counties covered, with concentrated experience in Tampa Bay (including Apollo Beach), Sarasota, Orlando, Jacksonville, and Southwest Florida (Fort Myers / Naples).
- Alachua County
- Baker County
- Bay County
- Bradford County
- Brevard County
- Broward County
- Calhoun County
- Charlotte County
- Citrus County
- Clay County
- Collier County
- Columbia County
- DeSoto County
- Dixie County
- Duval County
- Escambia County
- Flagler County
- Franklin County
- Gadsden County
- Gilchrist County
- Glades County
- Gulf County
- Hamilton County
- Hardee County
- Hendry County
- Hernando County
- Highlands County
- Hillsborough County
- Holmes County
- Indian River County
- Jackson County
- Jefferson County
- Lafayette County
- Lake County
- Lee County
- Leon County
- Levy County
- Liberty County
- Madison County
- Manatee County
- Marion County
- Martin County
- Miami-Dade County
- Monroe County
- Nassau County
- Okaloosa County
- Okeechobee County
- Orange County
- Osceola County
- Palm Beach County
- Pasco County
- Pinellas County
- Polk County
- Putnam County
- Santa Rosa County
- Sarasota County
- Seminole County
- St. Johns County
- St. Lucie County
- Sumter County
- Suwannee County
- Taylor County
- Union County
- Volusia County
- Wakulla County
- Walton County
- Washington County
Ready to build in Florida?
Tell us about your lot, builder, and timeline - we'll route you to the right single-close program for Florida.