Getting Started

Your homeownership journey begins with us understanding your wants and needs. Whether you're buying a Move-in ready or you're building, 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 estimating how much they can lend you.

Pre-Approval/Approval Info

Pre-approval allows the lender to provide a more accurate assessment of your borrowing capacity, bringing you one step closer to securing your new home. Some of the items you will need include:

Your last two years of tax returns, recent pay stubs, bank statements, valid identification, any additional documentation requested by your lender Pre-approval strengthens your position as a serious buyer and can streamline the final loan approval process when you're ready to purchase.

Securing Your Home

Once you sign with Zephyr Homes, you'll secure your home by locking in your price, lot, and home design. While you finalize the details with your lender, you can rest assured that your new home is reserved, allowing you to move forward with confidence in the home-buying process.

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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

A Construction to Permanent loan simplifies the home-building process by combining your construction financing and mortgage into a single loan. This approach allows you to close on your initial loan before construction begins, securing your ownership of the land. Once your new home is completed, the loan seamlessly transitions into a permanent mortgage.

End Loan

An End Loan is a traditional mortgage that you secure after your home's construction is complete. This type of loan offers several advantages including: lower upfront costs, as you don't need to finance the construction phase; simplified process, with just one loan application and closing. This can potentially lower interest rates compared to construction loans; ability to shop around for the best mortgage terms closer to your move-in date. If you're looking for a quicker move-in timeline, you can choose one of our Move-In Ready homes, allowing you to settle into your new space sooner.