Owner Builder Construction Loans in Florida

Florida self build and owner builder loan programs for custom residential construction projects. From inland developments to coastal home builds, we provide financing solutions tailored to owner-builders who want greater control over their construction process. Our construction loans help Florida borrowers fund land acquisition, building costs, and project completion.
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Self Build & Owner Build Loans — Florida

Normandy offers self build and owner builder construction loans throughout Florida. From the Tampa Bay area and Orlando metro to South Florida, Jacksonville, and the Gulf and Atlantic coasts, our program is built for borrowers who want to act as their own general contractor on a residential construction project.

Florida’s construction market is one of the largest in the Southeast, driven by population growth and a strong demand for new housing. The Florida Building Code (FBC) requires compliance with wind-load and hurricane-resistance standards, particularly in coastal counties. Properties in FEMA-designated flood zones must meet elevation requirements, which should be reflected in your construction budget and plans before submission. Normandy’s Florida owner builder loan program covers single family and owner occupied new construction, with conforming and jumbo amounts available. Foreign nationals are eligible. If you own your lot, land equity may be counted toward your loan to cost. Our team deals directly with you — no third-party processing — and pre-qualification typically occurs within 3 to 5 business days.

General Guidelines*

  • Loan amounts from $95,000 to $5,000,000
  • Conforming loan amounts up to $832,750. Maximum 90%* loan to cost or loan to value, whichever is less
  • Jumbo loan amounts from $832,751 to $5,000,000. Up to 80%* loan to cost or loan to value, whichever is less
  • Cross collateralization allowed on other properties for maximum or greater loan amounts, and loan to values
  • Properties must be single family and owner occupied
  • Full income documentation required to qualify for 90% on conforming loan amounts and 80% on jumbo loan amounts
  • Land purchase may be included in the construction loan
  • Foreign Nationals are eligible for this program
  • Deal directly with the Loan Officer/Underwriter
  • Pre-qualification typically within 3 to 5 business days, closing typically within 30 days (fast track closings in 14 +/- days available if certain criteria is met, please call for details)
  • Borrower acts as the General Contractor (No site supervisor required)
  • No minimum FICO required for consideration, however a minimum 750 mid FICO score is required to qualify for 90% conforming & 80% jumbo construction loans (subject to underwriting)
  • Flexible draw schedules
  • Up to 80% allowed on 2 to 4 family owner-occupied homes
  • 5+ units, please refer to Commercial Construction
  • 12 month construction term with term extensions available
  • Interest only payments based on funds advanced

*All rates and terms subject to change without notice. Specific qualifications are required to qualify, please call for details.

Loans Available in the Following States

Owner Occupied

Loans available for owner occupied properties in the following states:

  1. California
  2. Connecticut
  3. Delaware
  4. Florida
  5. Iowa
  6. Massachusetts
  7. Michigan
  8. North Carolina
  9. New Jersey
  10. New York
  11. Oregon
  12. Rhode Island
  13. Virginia
  14. Washington

Non-Owner Occupied

Loans available for non-owner occupied properties only:

  1. Alaska
  2. Alabama
  3. California
  4. Colorado
  5. Connecticut
  6. Delaware
  7. Florida
  8. Georgia
  9. Hawaii
  10. Iowa
  11. Idaho
  12. Indiana
  13. Kansas
  14. Kentucky
  15. Massachusetts
  16. Michigan
  17. Maryland
  18. Maine
  19. Mississippi
  20. Missouri
  21. Montana
  22. North Carolina
  23. New Jersey
  24. Nebraska
  25. New Mexico
  26. New York
  27. Ohio
  28. Oklahoma
  29. Oregon
  30. Pennsylvania
  31. Rhode Island
  32. South Carolina
  33. Tennessee
  34. Utah
  35. Virginia
  36. Washington
  37. West Virginia
  38. Wyoming

Draw Request Submitted

Thank you for requesting a draw.  You will receive an email or call confirming your draw request has been received within 1 business day.  If you do not receive confirmation, please contact our office at 800-390-7536.  Please notify us of any changes you wish to make to your request.  

Normandy Corporation

Thank you for scheduling your payment.  You should receive an email confirmation of payment within 1 business day.  If you do not receive a confirmation email within 1 business day, please call our office to confirm at 800-390-7536.