Apply for a Construction-to-Permanent Mortgage Loan in Florida

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Personal Banking      Borrowing      Construction-to-Permanent Mortgages

Construction-to-Permanent Mortgages

Building your dream home can be a complex undertaking. Financing your dream home doesn’t have to be.

Calculate Your Future

Our easy-to-use financial tools can help you simplify your
decision-making process and make sound financial choices. 

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Understanding Construction-to-Permanent Mortgages

At Cogent Bank, our construction-to-permanent mortgages provide a flexible financing solution to help simplify your home-building process and support quality completion. 

Benefits of a Construction-to-Permanent Mortgage from Cogent 

  • Low initial payments. Initial construction-term loan with low, interest-only payments on the balance funded. 
  • One closing. Your construction loan automatically converts to permanent mortgage with fixed monthly payments* once your home has been finished. Saving you the costs associated with a second closing. 
  • Customized draw schedules. We assist you and your contractor in creating a payment schedule tailored to your build and tied to specific completion milestones.  
  • Quality assurance. Funds will not be released until after work has been inspected and completion confirmed to your satisfaction. 
  • Competitive interest rates. Enjoy the peace of mind knowing that you have locked in an interest rate, not just for today but for years to come. 
  • Fast, local decisions. Our Loan Originators and construction administrators live and work throughout Florida, and are familiar with the environment you are building your home in. 

*(Adjustable Rate Mortgage after initial fixed period of 3-7 years).

HOW DO I APPLY FOR A CONSTRUCTION-TO-PERMANENT MORTGAGE? 

We’ll always go the extra mile for our client relationships, and ensure we’re acting in their best interest.

Meet the Residential Lending Team

Cogent Bank’s NMLS# 402296

Kimen Rush Allen
Kimen Rush Allen Mortgage Loan Officer
NMLS #2056779
Location: Orlando
Randy Butler
Randy Butler VP, Residential Production Support Manager
Location: Orlando
Lisa Dubiel
Lisa Dubiel VP, Portfolio Lending Relationship Manager
NMLS #1319424
Location: Orlando
Raphael Espejo
Raphael Espejo Residential Sales Manager
NMLS #1397225
Location: Orlando
Keith Hamilton
Keith Hamilton Senior Residential Mortgage Loan Originator
NMLS# 378623
Location: Sarasota
Sean Martin
Sean Martin VP, Residential Lending Manager
NMLS# 324281
Location: Sarasota
Tim Pollard
Tim Pollard VP, Residential Lending Manager
NMLS# 554005
Location: Orlando
Jack Robb
Jack Robb Senior Residential Mortgage Loan Originator
NMLS# 422434
Location: Tampa
Brandon Roth
Brandon Roth EVP, Residential Lending
Location: St. Petersburg
Jason Scott
Jason Scott Senior Residential Mortgage Loan Originator
NMLS# 690802
Location: Orlando

Apply for a Construction-to-Permanent Mortgage with Cogent 

We make the process simple and easy. Connect with a construction loan specialist to learn more about our construction loan options.    

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