Financing Options
At Lauren Homes, we know financing is often the first step in building your dream home. That’s why we partner with our sister company, Fairview Lending Inc. – one of the top local construction lenders in Cape Coral, Fort Myers, and all of Lee County.
Why Choose Fairview Lending?
- Free Pre-Approval – no cost, no obligation.
- Trusted Locally – recognized by top Cape Coral & Fort Myers builders.
- Low Down Payment Options – USDA 100% financing, VA 100% financing, FHA 96.5%, plus conventional and second-home construction loans.
- Flexible Programs – if you decide to purchase a resale instead of building, your pre-approval can be converted at no cost.
Land or No Land – We’ve Got You Covered
- Already own a lot? Your land equity can count toward your down payment.
- Still searching? Our vacant lot specialists can help you find and secure the perfect homesite.
With construction loans tailored for on-your-lot building in Southwest Florida, Fairview Lending makes the financing process simple, stress-free, and designed around your best scenario.
📞 Call Fairview Lending today at (239) 829-1543 or visit FairviewLends.com to get started with your free pre-approval.
Why should I get pre-approved before I talk to a Cape Coral or Fort Myers home builder?
A construction loan pre-approval gives you clarity on your budget and financing options before you start meeting with builders in Southwest Florida. It helps you compare new home builders with confidence and positions you as a serious buyer.
Can I use the equity in my Cape Coral lot or Fort Myers land as part of my down payment?
Yes! If you already own land in Southwest Florida, Fairview Lending can use your lot equity toward your down payment. This makes building a new home in Cape Coral or Fort Myers more affordable by reducing your out-of-pocket expenses.
What if I decide not to build a new home and instead purchase a resale property?
Fairview Lending makes it easy—your construction loan pre-approval can be converted into a traditional mortgage pre-approval at no cost, whether you’re buying a resale home in Cape Coral, Fort Myers, or anywhere in Lee County.
Do you offer financing for second homes or seasonal rentals in Cape Coral and Fort Myers?
Yes, Fairview Lending specializes in flexible loan options for second homes, seasonal homes, and investment properties throughout Southwest Florida. Many buyers choose to offset costs by renting their Cape Coral or Fort Myers property part-time.
How much down payment do I need for a construction loan in Southwest Florida?
Depending on the program, down payments can be as low as zero down with USDA 100% financing or VA 100% financing. FHA construction loans require just 3.5% down, while conventional and second-home loans in Cape Coral and Fort Myers offer competitive options.
Can I finance a new home in Cape Coral that I plan to use as a short-term rental?
Yes, Fairview Lending works with both annual and seasonal rental financing. Many Southwest Florida buyers build new homes with the intention of offsetting their second-home costs through Cape Coral or Fort Myers rental income.
How long does the construction financing process take in Lee County, Florida?
Pre-approvals with Fairview Lending can often be completed within 24–48 hours. The full construction loan process depends on factors such as lot ownership, permitting in Cape Coral or Fort Myers, and your home design—but our team makes the process simple and stress-free.