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)


Regions Bank: NMLS#459895
Orange County/Lake County
111 N. Orange Ave, Orlando, FL 32801
*Roger Holt – 321-663-5706 cell

Centennial Bank:

17301 Pagonia Rd.,
Suite 230B, Clermont, FL 34711
Patty Holloway – 352-518-1536 office
407-873-3308 cell

Lake Michigan Credit Union:

Mortgage Loan Originator, NMLS #139252
Sharon Waldecki – 239-908-5882

American Momentum:

201 S. Orange Avenue, Suite 1000, Orlando, FL 32801
Robert Cleland, Assistant Vice President / Mortgage Loan Originator

Mainstreet Community Bank:

204 Woodland Blvd., Deland, FL 32720
Sandy Barker, VP Loan Officer – 386-785-1168 office
386-804-9188 cell

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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