Construction Loans Ground Up in St. Johns County Florida
GOT LOI provides fast and flexible Construction Loans Ground Up in St. Johns County Florida, designed for real estate investors, developers, and contractors. Whether you’re building a custom single-family home, multifamily units, or commercial property from the ground up, our private lending programs help you avoid bank delays, fund quickly, and stay on schedule.
Construction Ground Up Loan Program
Our ground-up construction loans are asset-based and structured for short-term or phased disbursement based on your project’s milestones. We fund land acquisition, site prep, vertical construction, and finishing costs—no tax returns or income statements required.
Why Private Construction Loans Beat the Bank
Banks require months of paperwork, income docs, and rigid draw structures. Our loans are fast, flexible, and based on your project—not your credit score. We offer same-day draw approvals, milestone-based funding, and support for builders with limited documentation or past banking challenges.
Local Experience in Florida
Serving real estate investors across Florida, GOT LOI is trusted in communities from Miami to Jacksonville. We’ve funded over 1,000+ Florida construction projects. We understand coastal build codes, hurricane requirements, and city-by-city permitting complexities. In St. Johns County, we work closely with contractors in St. Augustine, Ponte Vedra, Nocatee, and other fast-growing zip codes.
How to Qualify
– Provide approved plans and permits
– Submit your construction budget and timeline
– Demonstrate builder experience or hire a licensed GC
– Share your exit strategy (sell or refinance)
– Get a same-day review and funding decision in 24–48 hours
Property Types Eligible
– Spec single-family homes
– Duplexes and multifamily (under 30 units)
– Townhomes and residential subdivisions
– Small commercial or mixed-use developments
Fast Funding Timelines
With local underwriters and title partners, we close deals in as fast as 7–10 business days. Our Florida-based team understands local zoning, permitting, and draw scheduling to help your build stay on track.
Scope of Work, Common Issues, and Local Requirements
Scope of work typically includes lot clearing, slab foundation, framing, MEP installations, and inspections at each phase. Builders in coastal zones must also address flood elevation, wind mitigation, and hurricane compliance. We coordinate with local inspectors to ensure funding aligns with project milestones.
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