Who we are
Florida Construction Loans is operated by The Built Mortgage Team. Our focus is construction and construction-to-permanent financing — the kind of lending that requires a lender to understand plans, budgets, draw schedules, builder review and as-completed appraisals, not just credit scores and pay stubs.
You can learn more about the broader team and our other lending services at Built-Mortgage.com. This site is the Florida construction-specific side of that work.
Why a dedicated Florida construction site
Construction lending is different from a standard purchase, and Florida is different from most other states. Wind design requirements, flood zones and elevation standards, county-by-county permitting timelines, impact fees, insurance availability, well and septic on rural parcels — these are not footnotes. They change budgets, schedules and sometimes whether a project is feasible at all.
Rather than treat Florida construction as a subsection of a general mortgage site, we built a resource that addresses it directly, with content written for the situations Florida borrowers actually encounter.
How we work
- Education before application. Most people reach us with questions, not a completed file. That's the right time to talk.
- Honest feasibility. If a parcel, a budget or a construction method is going to be a problem, we'd rather say so early than after you've spent money.
- Project-level review. We look at the borrower, the builder and the build — because underwriting will.
- Straight answers on programs. VA, conventional, one-time close, jumbo and alternative construction each have real trade-offs. We explain them.
Who we help
- Veterans and service members building a primary residence in Florida
- Buyers purchasing a lot and building a custom home
- Landowners ready to build on acreage they already hold
- Families building barndominiums and alternative-construction homes
- Buyers of high-value coastal and custom homes requiring jumbo financing
Start with a conversation
The most useful first step is a prequalification discussion that includes the project, not just your finances. Read the construction loan process, review the requirements, and if you already hold a lot, see what building on land you already own can look like. Then get in touch.
Florida Construction Loans is operated by Built Commercial LLC DBA The Built Mortgage Team and powered by Motion Mortgage Inc. NMLS #358334. All loan programs are subject to credit approval, income and asset verification, appraisal, property and builder eligibility, and applicable program and lender guidelines. Program availability, terms, requirements and rates may vary by lender and are subject to change without notice. This is not a commitment to lend. Equal Housing Opportunity.