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 FHA Loan Limits are specific to your county.
Check your county loan  limits here.

 Conforming Loan amounts up to $726,200 | FHA Loan Limits are specific to each Florida County
Check to See Florida FHA loan limits here

Florida Construction Mortgage Rates

Florida New Home Construction Mortgages

Fidelity Home Group offers a custom-tailored construction loan products gives you the chance to both construct and finance the home of your dreams with just one application and one closing. Only one set of closing costs and fees, a simplified draw schedule, plus having to make just interest-only payments during construction. 

Introducing the one-close construction loan.

Waterfront views. Game rooms. Granite countertops. Mechanic’s garages. Everyone has their own ideas of what a perfect home is like, but let’s face it—they’re not always available on the market. This custom-tailored loan product offers clients the chance to both build and finance the home of their dreams—all with just one application and one closing.

Not many lenders offer this unique loan product, so partner with Fidelity Home Group to build and finance your perfect home!

Features and Benefits:

• 0% Down Payment for USDA New Construction
• 0% Down Payment for VA New Construction
• 3.5% Down Payment for FHA New Construction
• 10% Down Payment for Conforming New Construction
• Loan amounts up to $647,200, or more in high balance areas
• Minimum credit score for Conforming/Fannie Mae is 680
• Minimum credit score for FHA, VA and USDA is 660
• Rate can be locked at any time during the loan application/process
• Simple and flexible draw process with no set schedules
• Consolidate construction and purchase for only one set of closing costs and fees, loan types and terms available in 15 & 30-year terms

Eligible properties include:

• 1-unit site-built homes
• Planned Unit Developments (PUDs)
• Modular homes
• Site condominiums
• Rural properties

Florida Construction Loan Programs

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Florida Conforming
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Florida FHA
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Florida USDA
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Florida VA
Construction Program

Let’s build your Florida dream home together. Our Mortgage Experts specialize in home construction loans and work with you and your builder from application through completion of your new home. We handle all draws and inspections during construction.

New Construction Home Financing


Copyright © 2023 Fidelity Home Group® supports Equal Housing Opportunity | All Right Reserved  | NMLS Identifier 1834853. Fidelity Home Group® is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Fidelity Home Group® is a Mortgage Corporation serving the state of Florida. Not intended for legal or financial advice, consult your own professionals if such advice is sought. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties in the state of New York will be accepted through this site. Accessibility Statement  | Consent to Receive Electronic Loan Documents  |  Cookies Policy   |  Disclosures  | Email and Mobile PolicyFair Lending Policy  |  File a Complaint Mortgage Assumptions  |  NMLS Consumer Access  |  Privacy Policy  |  Terms of Use