1170 Construction Loan Lenders with AI in Fernandina-Beach, Florida 2026

The Lendersa® directory of construction loan lenders located in Fernandina-Beach, FL encompasses regional banking institutions, national financiers, and local hard money lenders. These lenders apply private money to finance your complete construction projects or substantial rehabs.

For a construction project of a 2,000 square-foot home in Fernandina-Beach, FL, lenders estimate costs ranging from $209,372 for basic construction to $381,704 for more elaborately finished homes. Interest rates and loan terms for construction loans fluctuate based on the financial standing of the borrower, the loan-to-value ratio, after-repair value, and the type of lender chosen.

Explore loan opportunities from a selection of 100 lenders

The incredible construction loan calculator

To thoroughly address all your construction financing requirements, Lendersa®'s sophisticated AI will swiftly align your loan inquiry with hundreds of construction lenders. Now, you have the opportunity to explore the most competitive construction rates available for financing new builds, fix-and-flip endeavors, or extensive rehabs across residential and commercial properties in FL.

Looking for construction loan lenders nearby?

Avoid redundant inquiries that might impact your credit score. Achieve preapproval for your land loan smoothly, without the necessity of revealing your social security number or other sensitive financial data.

Should you be willing to provide additional property as collateral under a blanket loan structure, you could qualify for 100% LTV (Loan to Value) financing.

Make use of the Lendersa® land loan calculator to identify vacant land loan providers in the zip codes 32034, 32035.



  • Alligator Mortgage Company
  • 2630-B NW 41st Street, Gainesville, FL, 32606
  • Lends in Florida
  • The Alligator Mortgage Company Team is your premier mortgage team located in Gainesville, Florida. We pride ourselves on offering some of the best mortgage rates in Gainesville and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Gainesville area.

  • The Mortgage Firm
  • 3669 SW 2nd Ave, Gainesville, FL, 32607
  • Lends in Florida
  • The Mortgage Firm Gainesville is a local residential mortgage lender offering unmatched customer service and collaboration to ensure our clients’ satisfaction. Our team genuinely cares about our customers and takes the time to listen, identify, and respond to questions and concerns with full transparency

  • Ormond Mortgage Group
  • 555 W Granada Blvd, Suite A4, Ormond Beach, FL, 32174
  • Lends in Florida
  • We are a private mortgage company specializing in non-qualifying hard money loans to real estate investors in the State of Florida for rehab/flip properties, rental property and cash-out refinances for investment properties. We offer several loan programs that will certainly meet your needs. We offer zero upfront fees until your loan is approved.

  • CAMPUS USA Credit Union
  • 14007 NW 1st Road, Newberry, FL, 32669
  • Lends in Florida
  • CAMPUS serves over 100,000 members from all over the world. As a not-for-profit cooperative, we are owned by our members. Profits are returned to our member-owners in the form of no- and low- cost financial services. Since our members own CAMPUS, we can never be bought, nor can we merge with another institution without our members’ approval.

  • Drummond Community Bank
  • 16449 SW Archer Road, Archer, FL, 32618
  • Lends in Florida
  • Drummond Community Bank is federally insured by FDIC and is an Equal Housing Lender.

    Our goal is to promote community pride, provide resources for our friends and neighbors, and host an open and welcoming environment. We care about and want to hear from you! Here are a few things to keep in mind.

  • Total Lending Concepts
  • 1310 N. Main Street, Bell, FL, 32619
  • Lends in Florida
  • The Total Lending Concepts Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Colorado and Missouri. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.

  • Gateway Bank of Florida
  • 1950 West International Speedway Boulevard, Daytona Beach, FL, 32114
  • Lends in Florida
  • We provide our clients with outstanding financial products and solutions in a community bank environment. We are local, knowledgeable bankers whose primary goal is to serve our clients with the best service available in our community. We have a passion to be your banker. Our strategy is designed towards getting better each day.

  • Coastal Lending Services Inc
  • 3624 South Atlantic Avenue, Daytona Beach, FL, 32118
  • Lends in Florida
  • At Coastal Lending Services, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism,

  • Allstate Mortgage Loans
  • 809 NE 25th Ave, Ocala, FL, 34470
  • Lends in Florida
  • Allstate Mortgage of Florida strives to ensure that its services are accessible to people with disabilities. Allstate Mortgage of Florida has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities,

  • Coast 2 Coast Lending
  • 1630 SE 18th St, #203, Ocala, FL, 34471
  • Lends in Florida
  • Coast2Coast Lending is a leader in residential home mortgages. We are proud to offer all government loan programs (FHA,VA,USDA) along with many conventional and jumbo financing programs. We serve borrowers for both purchase and refinance. Lending is a leader in residential home mortgages.

  • Landmark Mortgage Planners
  • 3227 SE Maricamp Rd, #101, Ocala, FL, 34471
  • Lends in Florida
  • Landmark Mortgage Planners is setting new standards in mortgage lending. Any mortgage "professional" can take your information, submit it to an underwriter, and then cross their fingers and hope for the best. Unlike ordinary mortgage lenders, our mortgage consultants are actually certified mortgage planners.

  • Lafayette State Bank
  • 340 West Main Street, Mayo, FL, 32066
  • Lends in Florida
  • Lafayette State Bank offers a variety of loans designed for personal and business purposes.
    As your hometown bank, we still make our credit decisions right here at home. You are a valued customer, not just a number, and we do our best to tailor our loans to meet your individual needs.