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)


Please contact one of our preferred construction to perm lenders

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

US Bank (CP loans & vacant lot loans)

Candace Cary Leary NMLS#1764142  
2627 W Eau Gallie Blvd Suite 101 Melbourne, FL 32935
Direct 321-775-6301 Cell: 321-537-3642 Fax# 833-522-9835
Email :


Richard Henry NMLS# 208444
4240 W. Lake Mary Blvd, Lake Mary, Florida 32746
Mobile: 407-780-8003

Citizens Bank

Brett Murphy NMLS#1478744
Cell 321-505-4735 Fax 844-416-2146

Bell Bank Mortgage (CP loans and vacant lot loans)

Rob Neill NMLS#683933
243 West Park Avenue Suite#200 Winter Park, FL 32789
Office 407-653-8006 Cell 407-883-5740

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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