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Flexible Financing Options for New Construction Homes

Flexible Paths to Homeownership Designed for Real Life

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Financing a home shouldn’t feel confusing or intimidating — especially when you’re ready to build a better future. At Coastal Pointe Homes, we believe the financing process should be clear, supportive, and designed around your goals.

Whether you’re purchasing one of our new construction homes or building on your lot, we offer multiple pathways to ownership, including our signature seller-financing options that open doors for buyers traditional lenders often overlook.

Traditional Financing Options (If Preferred)

If you choose to use a traditional lender, we are happy to work with them as well. You’re free to select the lender that best fits your needs — and our team will support you throughout the process.

We guide you through:

  • Understanding mortgage options

  • Comparing rates and terms

  • Preparing the documents lenders require

  • Coordinating directly with your lender to ensure a smooth closing

Whether you’re approved with a national bank or a local credit union, we’re here to make sure the financing process stays streamlined and stress-free.

How the Financing Process Works

  • Get Pre-Qualified (Seller Financing or Traditional)
    We’ll walk you through what’s needed for qualification, whether you’re using our seller-financing or a lender of your choice.

  • Choose Your Home or Build Plan
    Your pre-qualification helps determine which homes, plans, or upgrades fit comfortably within your budget.

  • Review Payments & Terms
    We provide clear, upfront breakdowns of monthly payments and closing expectations — no surprises.

  • Finalize Your Contract
    Once financing is confirmed, we move forward with securing your home or beginning your Build On Your Lot project.

  • Close With Confidence
    Our team guides you through the final steps so you can walk into your new home with clarity and peace of mind.

Our Specialty: Seller Financing

Coastal Pointe Homes is one of Tampa Bay’s few builders offering true in-house seller financing on new construction homes.

This option is designed for buyers who:

  • Have strong income

  • Have less-than-perfect credit

  • Need flexibility during the approval process

  • Want to avoid bank delays or strict underwriting

Why Buyers Choose Our Seller Financing:

  • Faster approvals

  • Flexible credit considerations

  • No banks or third-party lenders required

  • Clear, straightforward terms

  • A real pathway to owning a new construction home

If traditional financing has been a barrier in the past, we provide a solution that puts homeownership back within reach.

We Make Financing Simple — Even If You’re New to It

Buying your first home?
Navigating credit challenges?
Unsure where to start?

You’re not alone — and we’re here to help.

Our financing specialists offer:

  • Step-by-step guidance

  • A breakdown of what to expect

  • Answers to all your questions

  • Support tailored to your financial situation

We believe every buyer deserves the chance to build equity and stability through homeownership — not just those who fit a bank’s boxes.

Frequently Asked Questions

Do I need perfect credit to buy with Coastal Pointe Homes?

No. Our seller-financing program is designed for buyers who may not qualify traditionally but still have strong, verifiable income.

Absolutely. You can finance through any bank, credit union, or mortgage company you prefer.

Seller financing allows you to purchase directly through us — no banks involved. Traditional financing requires lender approval through a mortgage.

Requirements vary, but typically include income documentation, identification, and property details. We guide you through exactly what’s needed.

Yes — many of our Build On Your Lot clients choose seller financing for maximum flexibility.

  • Start Your Path to Homeownership Today

Whether you want the flexibility of seller financing or prefer a traditional loan, our team is here to make the process smooth, clear, and achievable.

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Get in Touch

Ready to build your new home or explore financing options? Contact us today.