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Construction To Permanent Financing

Mortgage Calculator - Rates - Recommended Loan Officers

We'll make the custom home loan process quick and easy and help you to avoid the pitfalls.
We've listed below two of the leading construction-perm (CP) lenders in the area.

Hancock Whitney Bank Mortgage

Ken A. Sale, Senior Loan Officer NMLS#415724

Loan Rate Sheet Effective Date 10-21-2019

Phone: 813-868-7875 Cell: 813-404-5109


Construction to Perm. ARM

Product Rate Points
Conv. 7/1 ARM 3.125% 0
Jumbo 7/1 ARM 3.25% 0
Conv. 10/1 ARM 2.625% 0
Jumbo 10/1 ARM 2.625% 0


Construction to Perm. Fixed

30 Year Conv FXD 3.0% 0
30 Year Jumbo FXD 3.375% 0
15 Year Conv FXD 2.5% 0
15 Year Jumbo FXD 2.75% 0

Rates locked at application and protected through construction
Rates are subject to change without notice

Branch Banking and Trust

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender Loan subject to credit approval.

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Rates are subject to change without notice

Frequent Financing Questions

Can we have one loan and closing to purchase our new lot and custom home?


How much money down do we need for a construction loan?

Down payments can range from 3%-20%.

Can the equity in our lot be used for the down payment?


How long does a custom home construction loan take?

Typically, 4 weeks with our recommended lenders.

Which lenders do you recommend for custom home builders, Tampa Florida area?

Ken Sale with Hancock Bank, also, BB&T

When do I start making payments?

You make interest only payments on the money disbursed as construction progresses.

For which banks, are you a preferred custom home builder?

S & T Custom Homes is approved with most Tampa, FL area banks.

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For additional Builder information or questions about financing your new Custom Home in Tampa Bay, FL please call 813-267-2995. We'll be glad to assist you.