Seasafe Homes builds elevated coastal and waterfront homes across Florida’s Gulf Coast using our Two-Site Construction process. Our homes can qualify for traditional construction financing and private lending. We also work with lenders who understand the faster draw schedule created by simultaneous onsite and Build Center construction.
Construction-to-Permanent (Single-Close): One loan covers both construction and your mortgage—converting automatically when the home is complete. This means one closing, one set of fees, interest-only during construction, and often the option to lock your rate upfront.
Two-Close: Construction Loan + End Mortgage: A short-term construction loan refinanced into a permanent mortgage after completion. Gives flexibility to shop end-loan rates and terms.
Private Money / Bridge Financing: Asset-based financing with faster underwriting and more flexible draw schedules. Ideal for investors, self-employed borrowers, or timeline-sensitive projects.
Good News: Because Seasafe Homes are built to Florida Building Code and permanently installed on their foundations, they can qualify for traditional mortgage and construction loan products when structured with a licensed builder’s contract and approved plans.
Seasafe Homes builds elevated coastal and waterfront homes across Florida’s Gulf Coast using our Two-Site Construction process. We also work with lenders who understand the faster draw schedule created by simultaneous onsite and Build Center construction.
Learn more about our Two-Site Construction process.
Our Two Site Construction means onsite foundations and offsite living sections are built at the same time so funding needs to match a faster build process. Seasafe coordinates with your lender so draws are timely and your schedule stays on track. It is important to have a lender familiar with the draw schedule since there are two job sites running in parallel, not all banks can lend and meet the needs of the Seasafe draw schedule.
Exact amounts and timing vary by lender, plan, and site conditions.
Secures build slot, orders plan set, engineering, and permit submittals.
Begin living space construction at Build Center, materials procurement (~17% of total project cost).
Install pilings, grade beams, and concrete footers (~13%).
Pour elevated slab or masonry stem walls per design, coastal reinforcement per FEMA/local code (~10%).
Complete module fabrication, deliver and crane set on foundation, weather-seal and connect (~30%).
Cabinets, countertops, flooring, tile, paint, fixtures, porches, railings, Bahama shutters, siding, exterior paint, MEP finalization (~18%).
Final inspections, punch list complete, CO issued (~12%).
Ground-up construction loans are a type of financing designed for home buyers, investors, or developers building new real estate projects from the ground up. Seasafe coastal homes can be financed through traditional banks or private money lenders. Here’s how they work:
These loans provide the funds you need to cover the costs of building a new property, whether you’re a builder, investor, or developer.
The lender supports your project from the start to the finish, making sure you get the money you need when you need it.
Once you place a security deposit, our construction timeline will move quickly. Construction draws happen in increments that are pre-planned with the lender. We help coordinate with your lender through the construction process to ensure draws are timely and do not delay progress.
Waterfront and flood-zone properties can also require elevation certificates, flood insurance, and lender-specific documentation based on the property and municipality.
• Builder’s risk & liability during construction, needed in time for home sections transport
• Seasafe will work with surveyors for elevation certificate and local municipalities for FEMA compliance for flood zone
• Seasafe Homes are engineered for wind speeds up to 180 MPH, with coastal detailing for openings, attachments, and elevated construction
• Post-CO: flood and homeowners insurance (often with wind-mitigation credits because of the Seasafe engineered features of ground floor, roof, and enclosures)
Yes. Seasafe Two-Site homes are built to Florida Building Code and appraise like site-built homes.
Often 10–20% of total project costs; land equity can reduce cash to close. This will also depend on traditional banking or private money lender.
Yes. Private or bridge lenders offer fast approvals and flexible draws. Private money loans have higher interest rates but are known to be much faster for closing and accept lot value as collateral for the loan. Given the short build cycle, this is an intriguing option for clients.
Yes. Appraisers use plans, specs, and comparable sales for similar coastal homes.
Ready to start? We’ll connect you with lenders who understand Seasafe’s coastal construction, so your financing is as strong as your new home.
We look forward to hearing from you. Contact us for more information about working together.
Faster Stronger Elevated: The Shore Crest Model by Seasafe Homes
Welcome to the Shore Crest Model, where coastal living meets the future of resilience and innovation. Built for extreme environments, this home sets a new standard in hurricane-resistant design. Featuring a robust 2×10 floor system and 2×6 walls, it’s engineered to endure wind speeds of up to 180 MPH, going beyond the typical 150 MPH codes most builders follow. Whether you’re in North Fort Myers Beach or the Florida Keys, this home offers ultimate protection, strength, and peace of mind.
Designed for Coastal Living, Built for Safety and Style
The Shore Crest is more than just a home—it’s a smart, family-friendly space. Step inside through the spacious front porch, into a welcoming foyer complete with double coat closets. The large hallway flows effortlessly into the open-concept living, dining, and kitchen area, all at the rear of the home. The chef’s kitchen includes a walk-in pantry and a long bar top, perfect for casual meals or entertaining guests.
With 4 well-appointed bedrooms, this model is ideal for larger families or vacation rentals. One of the secondary bedrooms features a private bath and an optional exterior entry, making it easily convertible into a rental lock-out room for added flexibility. The rear of the home opens to a sprawling porch that stretches across the entire back, perfect for enjoying the coastal breeze. The master suite offers direct access to this porch, along with a luxurious master bath, including a garden tub, spacious walk-in shower, and a large walk-in closet. A closet size that is ideal for growing families.
Designed for Your Lot and Lifestyle
Whether your beach lot is 60′ x 100′ or larger, the Shore Crest fits most coastal properties, including those on 50’ wide lots in various municipalities. With 4 bedrooms and 3.5 bathrooms, the home invites natural light into its open living space, creating a bright, airy atmosphere perfect for the relaxed beach lifestyle.
Rebuild with Confidence
Create your dream coastal sanctuary with the Shore Crest Model, where resilience, efficiency, and thoughtful design come together to provide a safe, sustainable, and stylish home.
