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Construction-to-Permanent Loans: Build and Finance Seamlessly

Construction to Permanent Loan

Construction-to permanent loans (often called construction-to-perm or "one-time close" loans) are a type of financing that allows you to build a new home from the ground up and then seamlessly transition into a long-term mortgage once construction is complete. This eliminates the need for separate loans for the building phase and the permanent financing.  

With the Avi Mortgage Team at Primary Resident Mortgage Orlando, led by Avi Bastajian, we specialize in construction to perm loans for Florida home builders.  Whether you're in Orlando, Kissimmee, Winter Garden, or Pensacola, our loans make building your dream home simple and affordable.  

Key Advantage: 

-Lock in your interest rate before construction starts- protect against rising rates!

-Savings: Avoid double closing costs and fees)

Free Quote on construction to Perm Loans!

Why Choose Avi Mortgage Team for Construction to Permanent Loans in Florida?

As Orlando's top-rated lender with over 24 years of experience, we offer FHA, VA, USDA, and conventional construction to perm loans tailored to your needs.

-Low Down Payments: Starts at 3.5% (or 0% for VA/USDA)

-One-Time Close: Simplify the process--close once.

-Local Expertise: 

-Fast Closings:

-5-Star Service: #1 Branch 2017-2018, Top Workplace Award, 400+ Birdeye, Experience & Google Reviews. 

We're committed to making your construction to permanent loan journey stress-free.  See our reviews.


VA loans are government-backed mortgages guaranteed by the U.S. Department of Veterans Affairs (VA) making homeownership more accessible without the typical barriers of conventional loans.  No down payment required, no private mortgage insurance (PMI), and flexible guidelines mean you can focus on finding your dream home in Florida's vibrant markets.

  • Financing Coverage: The loans funds the entire process; building permits, architectural plans, inspection fees, labor, materials, and other construction costs.
  • Phases: during construction, you typically only pay interest on the amount draw.  Once the home is built and passes final inspections, the loan automatically converts to a standard mortgage.

1. Get Pre-qualified to determine your budget and eligibility.

2. Select a licensed builder:

3. Close on the loan, which disburses funds as construction progresses (often in draws based on milestones).

4. Upon completion, the loans rolls over without needing to requalify or refinance.

Note: These loans are not suitable for teardowns, multi-unit properties, or non-vacant land. 

  • Simplicity: One loan, one closing, and one set of fees - avoiding the hassle and extra costs of multiple financing.
  • Customization: Enables building a dream home on purchased land.