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Your Path to Homeownership

Flexible Financing for
Your New SeaGate Home

Simple. Supportive. Stress-Free.

Hassle-Free Financing

SeaGate Homes has partnered with the area's most reputable lenders to provide a wide variety of available financing options. Our preferred lenders are available to assist borrowers from all walks of life, even those with more complex financial or credit circumstances. In addition to the very competitive loan programs offered by our preferred lenders, homebuyers are particularly impressed by the attention, efficiency, and premier customer service they receive from our trusted lending professionals.

Take Ownership of Your New Home
Preferred Lending Advantages

Why Choose a SeaGate Homes Preferred Lender?

Our preferred lenders offer flexible financing options, local expertise, and reliable support to help make your mortgage process smoother from start to closing.

Trusted Lending Partners

SeaGate Homes works closely with preferred lenders to help keep your loan process on track from application to closing.

Flexible Loan Options

Preferred lenders offer a variety of financing programs, including zero-down options, extended rate locks, and credit support.

Local Loan Experts

Work with licensed local professionals who originate, process, underwrite, and close loans with greater flexibility.

Smooth Mortgage Process

Experienced lending teams provide prompt, professional service to help make financing your new home easier.

Clear Closing Costs

Preferred lenders provide accurate estimates and full disclosure to help avoid surprises at the closing table.

Preferred Lender Benefits

Additional credits and incentives are available when you work with a SeaGate Homes preferred lender.

Contact Information

Rich Cottingham

Senior Loan Officer
Flo Mortgage
NMLS #: 1964454

Connect with Rich
(386) 986-6869
Rich@FloMortgage.com
212 Moody Blvd Flagler Beach, FL 32136

Joy McCoy Flores

Broker/Owner
Flo Mortgage
NMLS #: 1096400

Contact Joy
(386) 290-3683
Joy@FloMortgage.com
212 Moody Blvd Flagler Beach, FL 32136

Anthony Jones

Senior Loan Officer
Flo Mortgage
NMLS #: 1590231

Reach Out to Anthony
(904) 955-5569
Anthony@FloMortgage.com
212 Moody Blvd Flagler Beach, FL 32136

Denise Lorber

Mortgage Loan Officer
Fifth Third Bank
NMLS #: 1802742

Get Started with Denise
(732) 832-9940
Denise.Lorber@53.com
500 A1A North, Ponte Vedra, FL 32082

Richard Henry

Mortgage Loan Officer
Truist Bank
NMLS #: 208444

Apply with Richard
(407) 780-8003
Richard.Henry@Truist.com
4240 W. Lake Mary Blvd., Lake Mary, FL 32746

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* Estimate based on 30-year fixed term, 20% down payment and 6.5% interest rate. Excludes taxes and insurance. Actual payments may vary. Please contact a lender for personalized options. This calculator is provided for convenience only, not an advertised rate.

Got Questions?

Frequently Asked Questions

Does SeaGate Homes offer preferred lenders?
Yes, we partner with a network of preferred lenders who are experienced with our homes and construction process. These lenders offer a variety of financing options for new construction and build-on-your-lot homes, and their familiarity with our process helps ensure smoother communication, clearer timelines, and a more efficient path from pre-approval through closing. Our team can connect you with these lender partners to help you explore the best financing solution for your situation.
What are the benefits of using a preferred lender?
Using a preferred lender can simplify the financing process and give you access to a wider range of loan programs tailored to new construction. Our preferred lenders offer flexible financing options, including special programs such as zero-down loans, extended rate locks, and solutions for buyers working through credit challenges, all while providing smoother communication and a more streamlined path. 
Can I use my own mortgage lender?
Yes, you are welcome to use your own mortgage lender when purchasing a home with us. While many buyers opt to work with our preferred lenders due to their familiarity with our process and available programs, using your own lender is always an option, as long as they can meet the requirements and timelines of new construction financing.
What credit score is needed to buy a new home?
The credit score needed to purchase a new home can vary based on the type of loan, lender guidelines, and your overall financial profile. While specific requirements depend on the financing program you choose, many lenders offer options for a range of credit situations, and our preferred lenders can help review your credit and discuss programs that may be available to you. 
Are FHA or VA loans accepted?
Yes, FHA and VA loans are accepted, and many buyers choose these programs for their flexible qualification requirements and benefits. Loan eligibility and terms depend on the specific home, location, and lender guidelines. 
Can I qualify for down payment assistance programs?
Yes, you may qualify for down payment assistance programs depending on your financial situation, loan type, and eligibility requirements. Many of these programs are offered by lenders or state and local agencies, and our preferred lenders can help you explore available options and determine whether down payment assistance is part of your financing solution.
How much should I budget for closing costs?
Closing costs typically range from about 2% to 5% of the home's purchase price, though the exact amount depends on your loan type, lender, and specific transaction details. These costs can include lender fees, title services, prepaid items, and other required expenses. Your lender will provide a detailed estimate early in the process, allowing you to know what to expect and plan accordingly.
When do I lock in my mortgage rate?
The timing for locking in your mortgage rate depends on your lender, loan program, and construction timeline. Some buyers choose to lock their rate early using an extended rate lock, while others wait until the home is closer to completion, allowing flexibility based on market conditions and personal preference. 
What happens if interest rates change during construction?
Interest rate changes during construction can impact your final mortgage rate, depending on your loan program and whether your rate is locked. Some buyers choose extended rate lock options to protect against rate increases, while others wait to lock their rate closer to the completion date.
Are there special financing incentives for first-time buyers?
Yes, first-time buyers may be eligible for special financing incentives when purchasing a SeaGate home, depending on the lender, loan program, and current offerings. Through our preferred lending partners, buyers may have access to programs such as down payment assistance, flexible qualification options, or reduced upfront costs. Our team can help connect you with lenders who specialize in working with first-time homebuyers to explore available opportunities.