Construction Loans · Florida

Construction Loans in Florida — One Close. Zero Surprises.

Whether you're building a custom home in Miami, renovating in Tampa, or developing in Orlando — Sean Shallis structures construction-to-permanent loans with one closing instead of two, so you pay one set of closing costs.

Single close. Interest-only during build. One rate lock. One appraisal. Draw schedule managed. Originated through a national portfolio lender.

Get Your Build BudgetBook Strategy Call
90-second pre-qualification No credit impact $100K+ minimum project
Construction Lending in Florida

Florida builders deserve a lender who manages the details.

Sean Shallis is a national construction loan specialist who originates through a national portfolio lender, with the same file and the same underwriter from application to close. He structures single-close construction-to-permanent loans with one closing instead of two, locks your rate before you break ground, and keeps the draw schedule on track so your builder gets paid on time.

Whether you're building a custom home in Miami, doing a gut renovation in Tampa, or combining construction financing with a physician loan — Sean's construction programs are available nationwide with the same white-glove service.

01
Plan with Sean
Share your Florida build plans, budget, and timeline. Sean structures a single-close loan covering lot, construction, and permanent mortgage in one.
02
Build with Confidence
During construction, pay interest-only on funds drawn. Sean manages the draw schedule with your Florida builder — releasing funds at each milestone.
03
Move In with One Mortgage
When construction completes, your loan converts automatically. No second closing. No re-qualification. No surprises.

Custom Build in Florida

Building from the ground up in Miami or Tampa? One loan, one close, one rate lock from dirt to doorstep.

Major Renovation

Gut renos and renovation-to-permanent projects in Florida. Transform an existing structure without juggling multiple loans.

Physician Builders

Physicians building in Florida can combine construction-to-perm with physician loan benefits. Student loan-friendly DTI available.

Investment Builders

Developing rental or investment properties in Florida? Competitive terms for experienced investors with $100K+ projects.

One Close
Not Two

One set of closing costs and one appraisal. No second closing when the loan converts.

Interest-Only
During Build

Pay only interest on funds drawn — not the full loan amount

One
Rate Lock

Lock your permanent rate before construction begins

12-18 Mo
Build Window

Generous construction timeline with extension options

Sean vs. Typical Florida Construction Lenders

Most Florida lenders require two closings and leave you managing the draw schedule yourself.

Feature
Working With Sean
Typical FL Lender
Single close (one set of closing costs)
—
Interest-only during construction
Rate locked before build starts
—
Draw schedule managed for you
—
Physician loan combo available
—
Renovation-to-permanent eligible
—
No re-qualification at conversion
—
Lot purchase + construction in one loan
—

Building Across Florida

Sean works with builders and developers across every Florida market — and nationwide.

Miami, FL

Construction-to-permanent loans available for custom builds and renovations in Miami.

Tampa, FL

Construction-to-permanent loans available for custom builds and renovations in Tampa.

Orlando, FL

Construction-to-permanent loans available for custom builds and renovations in Orlando.

Jacksonville, FL

Construction-to-permanent loans available for custom builds and renovations in Jacksonville.

Construction Loan FAQ — Florida

What's the difference between single-close and two-close construction loans in Florida?
A two-close loan requires separate closings (and separate fees) for the construction phase and permanent mortgage. Sean's single-close program combines both into one loan: one closing, one set of closing costs, one appraisal. For Florida builders that also removes the risk of rate changes or re-qualification between phases.
What's the minimum project size for a construction loan in Florida?
The minimum project size is $100K. This applies to both new construction and renovation-to-permanent projects in Florida. There's no maximum — Sean regularly structures construction loans for custom builds well into the millions.
Can I do a renovation-to-permanent loan in Florida?
Yes. If you're doing a gut renovation or major structural work on a Florida property, renovation-to-permanent financing rolls your purchase (or refinance), renovation costs, and permanent mortgage into a single close.
How does the draw schedule work?
Funds are released to your Florida builder at pre-agreed milestones (foundation, framing, mechanical, etc.). Sean coordinates inspections and approvals so draws are released promptly. You only pay interest on funds that have been drawn — not the full loan amount.
Can I combine a construction loan with a physician loan in Florida?
Yes. Physicians building custom homes in Florida can access construction-to-permanent financing with physician loan benefits including favorable DTI treatment for student loans. This is one of Sean's specialties.
Can I include lot purchase in my Florida construction loan?
Yes. If you haven't purchased your Florida lot yet, the single-close loan can include lot acquisition, construction costs, and your permanent mortgage — all in one loan with one closing. If you already own the lot, its equity counts toward your down payment.
What's the typical timeline from application to breaking ground?
Plan for 30-45 days from application to closing. You'll need approved plans, a licensed Florida builder, and a detailed budget. Sean's team works in parallel with your builder to keep the timeline tight. The construction phase itself typically runs 12-18 months.

Ready to plan your Florida build?

90 seconds with Rosie to get your build budget. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.

Get Your Build BudgetBook Strategy Call

Know Florida before you borrow

How closings work in Florida

Title companies or closing attorneys handle the closing; either is common and the contract usually says which. There is no state income tax, which changes how self-employed income reads on a file.

Taxes and transfer costs

The homestead exemption and the Save Our Homes assessment cap reward owner-occupants and long-time owners; a new buyer's tax bill can be much higher than the seller's, so estimate on the purchase price, not the current bill.

Insurance that shapes the file

Wind and hurricane coverage is the file-maker or file-breaker. Citizens is the state-backed insurer of last resort, roof age drives insurability, and coastal and low-lying areas need flood insurance before funding.

Where people are buying

Miami and Fort Lauderdale · Tampa Bay · Orlando · Jacksonville · Naples and Fort Myers · the Panhandle. First-time and lower-down-payment programs run through the Florida Housing Finance Corporation.

Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Florida →

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