Build · Florida
Construction-to-Perm in Florida
Building your custom Florida home? One closing covers the construction loan and the permanent mortgage.
Common challenges we solve
- Coordinating builder draws and inspections
- Locking a long-term rate during construction
- Avoiding two closings (and two sets of fees)
What you get with Lumos
Single-close construction-to-perm
Interest-only during build
Extended rate lock through completion
Loan programs that typically fit
Frequently asked
- How long can the build last?
- 12 months is standard; up to 24 on custom builds.
- What down payment is required?
- 20% of total project cost (land + construction) is typical.
