Build · Florida
New Construction Buyer in Florida
Buying from a Florida builder? Avoid being locked into the builder's preferred lender — and often beat their incentive.
Common challenges we solve
- Builder pressuring you to use their lender
- Wanting to compare rates and credits
- Long-dated rate locks during construction
What you get with Lumos
Extended locks of 90–360 days
Float-down protection if rates drop
Independent advocate at closing
What's different in Florida
Many Florida new-construction communities are inside a community development district (CDD); the CDD assessment is billed with your property taxes and counts in your debt-to-income ratio, so ask the builder for the exact amount. Homes built to the current Florida Building Code often earn wind-mitigation insurance credits.
Loan programs that typically fit
Frequently asked
- Can I really shop my own lender?
- Yes — federal law protects that right. The builder may offer incentives but cannot force you to use them.
- What if rates drop before closing?
- We use float-down locks so you don't miss the dip.
