2025 Construction Loans use AI Lenders complete for Panama-City-Beach, Florida

Lendersa® features a list of construction loan lenders in Panama-City-Beach, FL, which includes regional banks, major national lenders, and local hard money lenders using private funds for ground-up construction or major rehabilitation projects.

In Panama-City-Beach, FL, lenders estimate construction costs for a 2,000-square-foot home from $207,766 for basic construction to $380,098 for more elaborate designs. Interest rates and loan terms vary depending on the borrower’s financial status, LTV, ARV, and chosen lender.

Explore offers from 100 lenders

The Handy Construction Loan Calculator

To meet all your financing needs, Lendersa® uses AI to match your loan request with numerous construction lenders instantly. Discover the top construction rates for ground-up projects, fix-and-flip, or major renovations on residential and commercial properties in FL.

Locating Construction Loan Lenders Nearby

Protect your credit score by avoiding unnecessary inquiries. Achieve pre-approval for land loans without disclosing your social security number or sensitive financial details.

Should you pledge additional property as security with a blanket loan, you might qualify for 100% LTV (Loan to Value) financing.

Utilize the Lendersa® land loan calculator to find lenders offering vacant land loans in zip codes 32407, 32413, 32417.



  • Harvesters Credit Union
  • PO Box 5, Cantonment, FL, 32533
  • Harvesters Credit Union began serving the employees and families of what is now International Paper in 1948. In 2003, we became a community charter credit union and opened our doors to anyone living, working, worshiping or attending school in Escambia and Santa Rosa counties. Since then, we’ve grown to serve over 20,000 members.
  • Harvesters Mortgage Express
  • 400 S. Hwy 29, Cantonment, FL, 32533
  • Harvesters Credit Union began serving the employees and families of what is now International Paper in 1948. In 2003, we became a community charter credit union and opened our doors to anyone living, working, worshiping or attending school in Escambia and Santa Rosa counties. Since then, we’ve grown to serve over 20, 000 members
  • Bank of Pensacola
  • 5560 West Highway 98, Pensacola, FL, 32507
  • Since 1973, Bank of Pensacola has been dedicated to the needs of local service members and their families. It began with Admiral John Dale Price’s desire to provide a full service bank dedicated to the service member aboard Naval Air Station Pensacola. The dream of a bank that could help service members worldwide became a reality when our founder
  • SYNERGY MORTGAGE GROUP, LLC
  • 2567 Capital Medical Blvd,, Tallahassee, FL, 32308
  • Synergy Mortgage Group is a Florida-based company dedicated to educating first timers about the ins and outs of the home buying experience. Our ultimate goal is to assist consumers with qualifying for a mortgage and negotiating low interest rates to ensure long-term success.Our experienced practitioners have helped open doors for the customers.
  • American Financial Network, Inc.
  • 2450 Tim Gamble Place, 2nd Floor, Tallahassee, FL, 32308
  • AFS MORTGAGE, INC. - Tallahassee, FL strives to ensure that its services are accessible to people with disabilities. AFS MORTGAGE, INC. - Tallahassee, FL 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,
  • First State Bank of Blakely
  • 2213 South Main Street, Blakely, GA, 39823
  • First State Bank of Blakely¹ was originally chartered in 1903 under the name First National Bank of Blakely and has operated continuously in Early County since its inception. The bank was owned and operated under the direction of Mr. S. G. Maddox, Sr. until his retirement in 1993.
  • FHG Capital
  • 1334 Timberlane Road, Suite 15, Tallahassee, FL, 32312
  • FHG Capital team is proud to serve the lending needs of homeowners and home buyers in Florida. Our hands-on approach helps each of our clients understand the mortgage process Now more than ever it is important to have an experienced mortgage team helping you through the home loan process.
  • Bank of Brewton
  • 103 Belleville Ave., Brewton, AL, 36426
  • The first president of Bank of Brewton was Charles L. Sowell. He was employed in the milling and lumber business until the Civil War broke out. He took part in the bloody battles of Murfreesboro, Mission Ridge, Lookout Mountain, Chichamauga, Franklin, and Nashville. In the Nashville battle he lost his left arm when a rifle ball shattered it.