Ground Up Construction Loans in Santa Rosa County Florida
At GotLOI, we specialize in funding ground-up construction loans in Santa Rosa County Florida. Whether you’re a seasoned developer or a first-time builder, our flexible private lending solutions are designed to help you break ground fast and build with confidence.
Loan Program Overview
Our ground-up construction loans provide short-term, interest-only financing for new residential or commercial developments. These loans are asset-based and focus on the projected value upon completion.
Why Work With Us?
GotLOI is a registered private lender. Our licensed loan officers, transparent terms, and local insight make us a trusted partner for ground-up developers in Florida.
How to Qualify
We focus on your project, not your credit score. Qualify if you have:
– A strong scope of work and builder budget
– Proof of builder experience or GC partnership
– A viable exit strategy (sale or refinance)
– Approved plans or permits (or in process)
Property Types Eligible
– Single-family residences
– Townhomes and duplexes
– Small multifamily buildings (up to 4 units)
– Commercial storefronts or office/retail mixed use
Fast Funding Timelines
We close construction loans in 7–10 business days. With no income docs required and local deal evaluation, we help you start building without delay.
Local Lending Expertise in Santa Rosa County
From Milton to Navarre, we understand the permitting process, zoning issues, and coastal construction codes unique to Santa Rosa County. We've funded over 1,000 projects statewide and specialize in areas like hurricane resilience, local insurance compliance, and investor-friendly zip codes.
Private Loans vs. Bank Financing
Faster approvals and closings
Funding for distressed or non-conforming parcels
Flexible draws based on project milestones
No tax returns or income verification
Get Started Today
Get fast approval on your loan by applying now and speaking with a local Florida lending expert who’ll guide you through the process. Simply submit your deal scenario for same-day feedback and take the first step towards achieving your financial goals.