Get Prequalified

When looking to build, expand, renovate, or upgrade your Home the First Step is to get Pre-Qualified by a professional. They can help determine your Price Range and determine the best loan type that will offer the most attractive terms and interest rate for your new home loan.

A construction perm loan is a long-term permanent loan that modifies a construction loan used to finance a building project. However the closing occurs prior to the beginning of construction. To understand why a construction perm loan is advantageous, you have to compare it to a construction-only loan. Construction loans are temporary. They drawn upon during the construction process. There is no principal paid on a construction loan during the draw stage, as it is used entirely to construct a project. A construction loan must be refinanced at completion of the project. With a construction perm loan, nothing else has to be done at the end of construction except to "modify" the construction loan into a permanent loan by signing the modification package. This is because the loan was closed prior to the beginning of construction. (eHow)


US Bank
Jeff Vratanina NMLS #: 1304305
U.S. Bank Home Mortgage
225 E. Robinson Street
Suite 250
Orlando, FL 32801
Cell: 407-948-3369

American Momentum Bank
Robert Cleland
Assistant Vice President / Mortgage Loan Originator NMLS# 603215
201 S. Orange Avenue, Suite 1000 Orlando, FL 32801
Phone: 407-492-2697

Lake Michigan Credit Union (Construction loans/Bridge loans/vacant lot loans)
Mortgage Loan Originator, NMLS #139252
Sharon Waldecki – 239-908-5882 

Regions Bank
Roger Holt NMLS#459895
111 North Orange Ave., Orlando, FL 32801
Cell: 321-663-5706 Fax: 407-412-9083

Centennial Bank
Michael L. Lapp| Mortgage Loan Originator NMLS ID # 743514
2415 Aloma Ave Winter Park, FL 32792
Office : 407-371-6814 Cell : 407-948-3062 Fax : 407-681-0391
Email :

Our Warranty

Our goal is to ensure customer satisfaction even after you’ve closed on your home. Contact the J&J construction office directly with any warranty questions 407-614-8793.


We pride ourselves on being integrated community partners and a helpful guide to our clients, their families and the people we do business with. The Resources here are meant to help you understand and have access to reference sites regarding where you will be living. Click Read more to find some important and useful links.

Contact Us

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