Owner Builder Construction Loans in Florida

Build Your Own Home in Florida, Without a General Contractor

Building your own home in Florida? Most lenders require a contractor.
We offer a different option.
We provide owner builder construction loans in Florida, allowing you to manage your own build.

Qualification Questionnaire

What Is an Owner Builder Loan?

An owner builder loan allows you to:
  • Manage your own project
  • Hire subcontractors
  • Control timeline and costs
This approach gives you more flexibility and control compared to traditional construction loans.

Why Florida Owner
Builders Choose Us

  • No General Contractor Required

    You can manage your own project and still qualify for construction financing.

  • Flexible Loan Structure

    • Interest-only payments
    • Pay only on funds used
    • No prepayment penalties

  • Unlimited Draws

    Access funds as needed without rigid schedules or excessive fees.

  • Use Land as Equity

    If you already own land in Florida, it may count toward your down payment.

  • Built for Florida Builds

    We understand:
    • Coastal regulations
    • Insurance requirements
    • Permit timelines

Loan Requirements

To qualify for an owner builder loan in Florida, you typically need:

  • 675+ credit score

    Minimum score requirement for most scenarios.

  • ~38% DTI

    Debt-to-income is reviewed as part of prequalification.

  • 30–50% equity

    Land equity may count toward the down payment requirement.

  • Project plan

    A realistic project scope and full construction budget matter.

How the Process Works
Same simple 5-step process as above.

  • 01

    Submit Your Information

    Complete our quick qualification questionnaire.

  • 02

    Project Review

    We review your construction plans and financials.

  • 03

    Loan Approval

    Once approved, your construction loan is structured.

  • 04

    Start Building

    Draw funds as needed and begin your project.

  • 05

    Refinance After Completion

    We help connect you with long-term mortgage options once your home is complete.

Where We Lend
in Florida

We work with owner builders across Florida, including:
  • Miami
  • Tampa
  • Orlando
  • Houston
  • Jacksonville and statewide

Is an Owner Builder Loan
Right for You?

This program is ideal if you:
  • Want to manage your own construction project
  • Have access to reliable subcontractors
  • Want to reduce building costs
  • Have been turned down by traditional lenders
Get Started Today

Ready to Build Your Own Home in Florida?

Complete our short questionnaire to see if you qualify.

Start Your Owner Builder Loan Application

Frequently Asked Questions

Yes, depending on local rules and permits.
Yes, builder’s risk is typically needed.