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🏗️ Construction Loan Rates in 2025: What You Need to Know in Florida
- Belpash
- Aug 1
- 2 min read
Thinking about building your dream home or a commercial property in Florida? Before you break ground, it’s crucial to understand the current construction loan rates and how to qualify for the best deal.
As of mid-2025, here’s a clear snapshot of what to expect for residential and commercial construction loans in the U.S., with a special focus on Florida.
🏠 Residential Construction Loan Rates (2025)
Residential construction loans are typically interest-only during the build phase, then convert to a traditional mortgage after the home is complete. Here's what typical rates look like right now:
💰 Residential Loan Snapshot
Down payment: 15%–25% minimum
Loan term: 6 to 18 months (interest-only), then converts to a 15–30 year fixed
Origination points: 0.5% to 2.5% (higher with private money)
🏢 Commercial Construction Loan Rates (2025)
For commercial construction projects in Florida—whether it's retail, office space, or multifamily housing—your rate will vary based on the type of financing, your experience, and the project scope.
🧱 Commercial Loan Snapshot
Loan-to-Cost (LTC): 65%–85%
Loan-to-Value (LTV) on completion: 70%–75%
Loan term: 12–36 months (often extendable)
💡 Key Factors That Affect Your Construction Loan Rate
The rate you're offered will depend on several core factors:
🔹 Your credit score and personal or business financials
🔹 Type of project (residential vs. commercial)
🔹 Location and market conditions
🔹 Your construction team and experience
🔹 Loan size, LTC, and LTV
🔹 Permit readiness and build timeline
🛠️ Can You Get a Better Deal?
Absolutely—especially if you’re working with a professional who understands how to shop the right lenders. Here’s how:
✅ Work with an independent broker (like Burak Eyilik) who has access to wholesale and private lenders
✅ Present clear construction budgets, timeline, and permits
✅ Combine land acquisition + construction costs into a single loan package
✅ Show a strong exit or repayment strategy
📞 Need Help Securing the Right Construction Loan in Florida?
At Belpash Mortgage, we help individuals, families, and investors across Florida find the most competitive construction financing for both residential and commercial projects. Whether you're building in Miami, Coral Gables, Fort Lauderdale, or anywhere statewide, we’re here to help you build smarter and borrow better.
👉 Contact Burak Eyilik today for a free consultation on your next construction project.