Home Financing

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Mortgage Calculator

Home Price ($):

Down Payment ($):

Down Payment (% of Home Price):

Loan Term (years):

Interest Rate (%):

Loan Amount: $225,000

Monthly Payment: $1,107.04

*This calculator provides estimates only and does not guarantee financing.

Getting Started

Your homeownership journey begins with us understanding your needs. Whether you're buying, building, or finding the perfect lot, we’re here to guide you. Let’s lay the foundation for a smooth and exciting process.

Pre-Qual Info Needed

The first step is to get pre-qualified. The lender will gather some basic details from you and provide an initial pre-qualification letter showing how much they can lend you.

Pre-Approval/Approval Info

Once pre-qualified, the next step is getting approval. You will need to provide all pre-qualification details, plus your last 2 years of tax returns, pay stubs, bank statements, ID, and any other documents the lender requests.

Securing Your Home

Now you’ll know how much home you can afford. Approval typically happens after you sign with Zephyr Homes, locking in your price, lot, and home while you work with the bank to finalize the details.

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Zephyr TIPS

Know Your Numbers Early

Kick off your home-buying journey with a clear understanding of your finances. Getting pre-qualified helps you identify what you can afford, making it the crucial first step toward achieving your dream home.

With your budget established early on, you can enjoy a more seamless experience throughout the process

Get Pre-Approved, Not Just Pre-Qualified

With pre-approval, you show that you're a serious buyer while gaining a clearer understanding of your budget. This gives you peace of mind as you explore your new home options with confidence.

Explore Your Loan Options

Your home financing should reflect your individual needs. Explore various options from End Loans to Construction and Permanent loans that suit your lifestyle.

With Zephyr Homes by your side, our experienced team will walk you through each option, eliminating any uncertainty along the way.

Think Long-Term, Not Just Monthly

Understanding your monthly payment is important, but don’t overlook the broader financial context. Consider how interest rates and down payment requirements will influence your finances in the long run. By planning ahead, you can unlock considerable savings down the road. Our dedicated Zephyr experts are here to assist you in finding the best financing options tailored to your needs.

Don’t Go It Alone

Your path to a dream home shouldn’t be traveled alone. With Zephyr as your partner, our expert team and dependable lender partners will guide you through every phase, ensuring a stress-free and exciting journey from start to finish.

Make Your Dream Home Come True!

Call an expert(352) 632 8945

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LOANS

C/P Loan

Construction to Permanent
A Construction to Permanent loan allows you to close on your initial loan before construction begins, giving you ownership of the land. Once the building is finished, you can transition the loan into a permanent mortgage.

This type of loan offers several advantages: you can personalize your color selections, choose upgrades beyond the standard end loan option limit, your home is often prioritized for construction start, Zephyr Homes covers your construction interest, and you have the flexibility to build on your own land if desired.

End Loan

An End Loan is a traditional loan you close on after construction is complete. This loan is ideal for first-time buyers.

By choosing this option, your selections may be more limited, but you can still pick your colors from our designer’s pre-made options, or choose one of our Quick Move-In homes if preferred.