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Home › Find a Lender › Florida
Florida · vetted specialists

Construction loan lenders in Florida

Local and national specialists financing new-home and owner-builder construction across Florida — with cost-to-build context to size your loan.

Quick answer

Construction loan lenders in Florida offer one-time close, two-time close, owner-builder, and FHA/VA/USDA programs. Conventional builds typically need 20–25% down; FHA can be 3.5% and VA/USDA 0% for eligible borrowers. Get matched free to compare specialists serving Florida.

Florida cost to build · via StartBuild

Size your Florida build before you talk to a lender — estimate cost per square foot across Good / Better / Best finish tiers, then match with lenders who finance a build that size.

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Florida directory

Lenders serving Florida

American Home Builders Lending ✓ Verified

📍 All 50 statesMin loan: $150k
★★★★★ 4.9 (114 reviews)
New ConstructionRenovationCustom Homes

Nationwide construction loan provider with over 30 years of experience in residential construction financing.

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Florida Credit Union

📍 FL
★★★★★ 4.6 (146 reviews)
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Global Construction Lending Solutions ✓ Verified

📍 All 50 statesMin loan: $250k
★★★★★ 4.6 (56 reviews)
New ConstructionRenovationCommercialMulti-FamilyCustom Homes

International construction loan provider offering comprehensive financing solutions nationwide.

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Sunshine State Construction Lending ✓ Verified

📍 FL, GA, SC, NCMin loan: $150k
★★★★★ 4.7 (262 reviews)
New ConstructionRenovationCoastal HomesHurricane-Resistant

Florida's premier construction loan provider with expertise in coastal and hurricane-resistant construction.

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Construction loans in Florida — FAQ

What down payment do Florida construction lenders require?
Conventional construction loans in Florida typically need 20–25% down; FHA one-time close can be 3.5%, and eligible VA and USDA borrowers may put 0% down.
Can I get an owner-builder construction loan in Florida?
Yes — some lenders serving Florida offer owner-builder programs, though approval is stricter than with a licensed general contractor. Get matched to compare them.
How do I compare construction loan lenders in Florida?
Compare the loan programs each lender actually originates (one-time close, two-time close, owner-builder, FHA/VA/USDA), their minimum loan amounts, and their true service area — or get matched free with specialists serving Florida.

Nearby: Georgia · Alabama

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