One-Time Construction Loans: Finance Your New Build in One Step

Building a custom home in Orlando or Central Florida doesn’t have to involve juggling multiple loans or approvals. One-time construction loans combine financing for the lot purchase, home construction, and permanent mortgage into a single, seamless loan. This solution streamlines the construction process, allowing buyers and investors to transition directly into long-term homeownership without refinancing.

How One-Time Construction Loans Work

These loans cover both lot purchase and home construction, with down payments as low as 3.5% depending on credit and loan program. Interest-only payments are made during construction, with the loan automatically converting to a fully amortized mortgage upon completion. Projects must be completed by approved, licensed contractors, following FHA or conventional conforming loan guidelines. This structure reduces complexity and keeps financing predictable throughout the construction phase.

Benefits of One-Time Construction Loans

By consolidating construction and permanent financing into one loan, buyers enjoy simplified approvals, predictable payments, and a smooth transition to permanent homeownership. This program allows custom builds and investor-led projects across Orlando and Central Florida while ensuring projects are completed by qualified contractors. Aponte Group guides buyers through the process, helping select communities, manage costs, and complete projects efficiently with confidence.

Homes for Sale in Orlando & Central Florida

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Create Your Custom Home with Confidence

One-time construction loans simplify building your dream home in Orlando and Central Florida. Our team guides you through financing, contractor selection, and project management for a smooth, stress-free experience.