Construction

Construction Loans — South Florida Quality Mortgage
Direct Lender — No Middleman

Construction Loans in South Florida

Residential and commercial construction financing from $50,000 to $1,000,000. We are the direct lender — faster decisions, flexible draws, and no bank delays.

$50K–$1M
Loan range
Fast
In-house approval
23+
Years experience

Get Pre-Qualified Today

Response time 24 hours or less — usually same day.

No obligation. No credit pull. NMLS #376794

$50K+
Minimum loan amount
$1M
Maximum loan amount
Direct
In-house lender & servicer
FL
Licensed in Florida

Construction Loan Programs

Whether you’re building a single-family home or a commercial property, we have a program built for your project.

Residential Construction

Finance the ground-up construction of a single-family home, duplex, or small multi-family property anywhere in Florida.

  • Owner-occupied and spec builds
  • Single family, duplex, triplex, fourplex
  • Draw schedule based on construction milestones
  • Loan amounts from $50,000 to $1,000,000
  • Fast in-house approval — no bank committee
  • Interest-only payments during construction

Commercial Construction

Fund the construction of commercial buildings including offices, retail, warehouses, and special-use properties throughout South Florida.

  • Office, retail, warehouse, mixed-use
  • Churches, schools, and special-use properties
  • Flexible draw schedules
  • Loan amounts from $50,000 to $1,000,000
  • Direct lender — we make our own decisions
  • Experienced with South Florida commercial market

From application to first draw

We’ve streamlined construction lending so you can focus on building, not paperwork.

1

Apply Online or Call

Fill out our short form or call us directly. We respond same day — usually within the hour.

2

In-House Review

We review your project and financials in-house — no bank committee, no third-party delays.

3

Loan Approval

Once approved we finalize your draw schedule and get your construction loan documents prepared.

4

Construction Begins

Funds are released at each milestone. We service the loan ourselves — you always deal with us.

Why Builders Choose SFQMC

23 years in South Florida means we’ve seen every type of construction project — and we know how to get them funded.

We Are the Direct Lender

No bank middleman. We underwrite, approve, and fund in-house — faster decisions and higher certainty of close.

We Service Our Own Loans

From your first draw to your final payment, you deal with us — not a third-party servicer who doesn’t know your project.

Flexible Draw Schedules

We work with you to set draw milestones that match your actual construction timeline — not a rigid bank template.

23 Years in South Florida

We know this market, these contractors, and these appraisers. That local knowledge means fewer surprises and faster closings.

Construction Loan FAQs

Answers to the questions we hear most often from builders and borrowers.

What is the minimum and maximum loan amount?
We offer construction loans from $50,000 up to $1,000,000 for both residential and commercial projects in Florida.
How long does approval take?
Because we are the direct lender and underwrite in-house, we can typically provide a decision significantly faster than traditional banks. We respond to all applications the same day, usually within the hour.
Do you offer construction-to-permanent loans?
We specialize in stand-alone construction loans. Once your project is complete, we can help you secure permanent financing through our mortgage broker network of wholesale banks.
What types of properties do you finance?
We finance residential new construction (single family, duplex, triplex, fourplex, spec homes) and commercial construction (office, retail, warehouse, churches, schools, and special-use properties).
How do construction draws work?
Funds are released in stages based on construction milestones — foundation, framing, rough-in, drywall, completion. We work with you to set a draw schedule that fits your project timeline.
Do I need to be a licensed contractor?
Your construction project must be handled by a licensed contractor. Call us at 954-455-7625 to discuss your specific situation.

Ready to Break Ground?

Call us or apply online — we respond same day, usually within the hour.
No obligation. No credit pull.