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Construction Loans in Ocala & Central Florida

Build your dream home on your own piece of Florida

With so much beautiful land available across Marion and Citrus County, building is a dream for many buyers. Construction loans fund your build in stages as work progresses, then typically convert to permanent financing when your home is complete --- a one-time-close structure that saves you a second round of closing costs. From a custom home on acreage to a build in a new community, Loni helps you finance the process with clarity.

Highlights

What to know about Construction loans

  • One-time-close options --- one loan, one closing
  • Funds released in draws as construction progresses
  • Interest-only payments during the build phase with many programs
  • Converts to permanent financing at completion
  • Works for custom homes and many builder projects
Great Fit For

Who construction loans serve best

  • Buyers building on their own lot or acreage
  • Families designing a custom home
  • Buyers purchasing land and building in stages
  • Anyone who wants one financing process from dirt to doorstep
FAQs

Construction loan questions

Have a question about construction loans? Call or text Loni at 352-598-1843.

All loan programs are subject to qualification, underwriting approval, and program availability.

How does a construction-to-permanent loan work?
You close once, the lender funds the build in stages as your builder completes milestones, and you typically pay interest only on drawn funds during construction. When the home is finished, the loan converts to a standard mortgage. Loni coordinates the timeline with you and your builder.
Can I buy land and build later with one loan?
Some programs allow land purchase within the construction loan, while others work best when you own the land first. Loni will review your plans and structure the approach that fits your timeline and budget.

Explore more programs

Wondering if a construction loan fits you?

Loni will review your situation and compare every program you qualify for --- with real numbers, side by side.

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