NEW-CONSTRUCTION FINANCING
Builder contracts deserve independent eyes.
New-construction purchases in communities like Lake Nona, Clermont, and Sanford involve builder lenders, incentive structures, CDD assessments, and long timelines. Daniel helps you evaluate all of it before you sign.
Who this financing is designed for
Buyers purchasing from a production or custom builder in Central Florida.
Buyers weighing a builder-lender incentive against independent financing.
Relocating families buying a home that won't be finished for months.
What to evaluate
Incentives versus real cost
Builder credits tied to their in-house lender can be genuine value — or can be recovered in rate and fees. The comparison deserves an actual side-by-side.
CDD and HOA obligations
Many new communities carry community development district assessments that add meaningfully to the monthly payment for decades.
Rate protection over a long build
Extended lock options, float-down provisions, and what happens if completion slips past your lock.
Walkthrough and appraisal timing
How financing milestones align with construction milestones, so closing isn't hostage to either.
Documentation to gather
—Builder purchase agreement and addenda
—Incentive and lender-credit terms in writing
—Standard income and asset documentation
—HOA and CDD disclosure documents
Common mistakes to avoid
—Signing the builder contract before any independent financing review.
—Comparing lenders on rate alone while ignoring fees and credits.
—Ignoring CDD assessments when budgeting the monthly payment.
The next step
Bring the builder's offer — Daniel will put the in-house financing and independent options side by side so the decision is yours.
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