Renovation Loans · Florida

Renovation Loans in Florida — Purchase + Reno in One Close.

Whether you're buying a fixer in Miami, doing a gut renovation in Tampa, or upgrading your Florida home to dream-home spec — Sean Shallis structures renovation-to-permanent loans nationwide.

Finance up to 90% of after-renovation value. Single close. No HELOC needed. AI budget tracking included. Loans originated through U.S. Bank Private Wealth.

Get Your Reno Budget Book Strategy Call

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Renovation Lending in Florida

Florida renovators deserve a lender who gets it.

Sean Shallis is a national renovation loan specialist backed by U.S. Bank. He structures renovation-to-permanent loans that combine your purchase and renovation into a single close — financed against what the home will be worth after the work is done, not what it looks like today.

Whether you're buying a fixer in Miami, doing a major renovation in Tampa, or an investor doing value-add work in Florida— Sean's renovation loan programs are available nationwide with the same white-glove service and AI budget tracking.

Plan the Reno

Tell Sean about your Florida renovation vision. He structures the loan around the after-renovation value — not what the property is worth today.

Finance It All

One loan covers your Florida purchase (or refinance) plus the full renovation budget. Funds held in escrow, released as work completes.

Build with AI Tracking

Project Guardian monitors your renovation spend in real time. Draw requests, change orders, budget overruns — you'll know before your contractor does.

Buy & Renovate in Florida

Found a fixer in Miami or Tampa? Finance the purchase and full renovation in one loan. No separate construction financing.

Major Home Upgrade

Florida homeowners doing $100K+ renovations — kitchens, additions, full gut rehabs. Skip the HELOC and lock a single rate.

Physician Renovators

Physicians in Florida upgrading to dream-home spec. Combine with physician loan benefits for maximum purchasing power.

Value-Add Investors

Investors doing value-add renovation on Florida properties. Finance based on what the property will be worth after the work.

90%

After-Reno Value

Finance up to 90% of the after-renovation appraised value

Single Close

One loan, one closing, one rate — purchase + renovation combined

HELOC Needed

No separate home equity line or construction loan required

Budget Tracking

Project Guardian watches your contractor spend in real time

Sean + U.S. Bank vs. Florida Alternatives

HELOCs, FHA 203k, and traditional construction loans all have trade-offs. Here's how Sean's program compares for Florida renovators.

Feature

Sean + U.S. Bank

HELOC

FHA 203k

Single close (purchase + renovation)

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Based on after-renovation value

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No existing equity required

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Interest-only during renovation

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No FHA mortgage insurance

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Renovation budget in escrow

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No HUD consultant required

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AI budget tracking (Project Guardian)

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Works for jumbo amounts ($1M+)

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Portfolio lender (keeps your loan)

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Renovation Loans Across Florida

Sean works with renovators in every Florida market — and nationwide.

Miami, FL

Renovation-to-permanent loans for buyers and homeowners renovating in Miami. Finance based on after-renovation value.

Tampa, FL

Renovation-to-permanent loans for buyers and homeowners renovating in Tampa. Finance based on after-renovation value.

Orlando, FL

Renovation-to-permanent loans for buyers and homeowners renovating in Orlando. Finance based on after-renovation value.

Jacksonville, FL

Renovation-to-permanent loans for buyers and homeowners renovating in Jacksonville. Finance based on after-renovation value.

AdventHealth

Physicians and staff near AdventHealth can combine renovation loans with physician loan benefits.

Baptist Health South Florida

Physicians and staff near Baptist Health South Florida can combine renovation loans with physician loan benefits.

Mayo Clinic Jacksonville

Physicians and staff near Mayo Clinic Jacksonville can combine renovation loans with physician loan benefits.

Renovation Loan FAQ — Florida

What's the minimum renovation amount for a Florida property?

The program works best for renovations of $75K or more on Florida properties. For smaller projects, a HELOC or personal loan may be simpler. Sean will help you determine the right structure based on your scope of work.

How does after-renovation value work in Florida?

The appraiser evaluates what your Florida home will be worth after the planned renovation — based on your contractor's scope of work and local comparable sales in Miami, Tampa, and surrounding areas. You can finance up to 90% of that future value.

What are the contractor requirements in Florida?

Your contractor must be licensed in Florida, insured, and provide a detailed scope of work with line-item budget. Sean's team reviews the bid to ensure it aligns with the appraisal. You can use your own contractor — no approved-list restriction.

How long does the renovation period last?

Typical renovation periods are 6-12 months, depending on scope. During this time you pay interest-only on the drawn amount. Once the reno is complete, the loan converts to your permanent mortgage automatically.

Can I combine a renovation loan with a physician loan in Florida?

Yes. Physicians in Florida can access renovation-to-permanent financing with physician loan benefits — including favorable DTI treatment of student loans. Sean structures these regularly for physicians at University of Miami Miller and across the state.

How is this different from an FHA 203k?

No FHA mortgage insurance premiums (saving you hundreds per month), no HUD consultant requirement, higher loan limits (jumbo-eligible), and faster processing. Sean's program is conventional — cleaner, simpler, and often cheaper long-term.

Why not just use a HELOC for my Florida renovation?

A HELOC requires existing equity in your Florida property, has a variable rate, and doesn't protect your renovation budget in escrow. Sean's renovation loan finances based on future value, locks your rate, and holds funds in escrow so your budget is protected.

What happens if the renovation goes over budget?

Project Guardian's AI budget tracking catches overruns early. If a change order is needed, Sean works with you to adjust. A contingency reserve (typically 10-15%) is built into the original loan to cover unexpected costs.

Ready to finance your Florida renovation?

90 seconds with Rosie to get your renovation budget estimate. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.

Get Your Reno Budget Book Strategy Call

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