Marymont Financial Services
NMLS 1871425
Flexible Financing Solutions for Builders & Real Estate Investors
Ground-Up Construction & Fix & Flip Loans — engineered for professionals who build, flip, and scale.
Wandaliz Torres · Mortgage Loan Originator · Marymont Financial Services
Chapter 1
Construction Financing
Ground-Up Construction Financing
Finance your entire project — from raw lot purchase through completed construction — with a single, streamlined loan. Our ground-up construction program is built specifically for experienced builders and developers who need capital that moves at the speed of their projects. No more juggling multiple lenders or waiting on slow approvals.
Lot Financing
Up to 65% of lot cost covered, so you can secure prime parcels without draining reserves.
Construction Costs
Up to 95% of construction costs financed (subject to approval), keeping your capital working.
Flexible Terms
12–18 month terms with interest-only payments. Defer up to 4 months of interest into the loan.
LLCs are permitted, and draw schedules align with your actual construction milestones — not arbitrary timelines. Land, construction, and exit in one loan.
Chapter 2
Qualifications
Builder-Friendly Guidelines
We designed our underwriting around how builders and investors actually work — not around traditional W-2 income models. Whether you're a seasoned developer with dozens of projects under your belt or a motivated first-time flipper ready to break in, our guidelines are built with you in mind.
Credit Requirements
Minimum credit score around 680 — reasonable thresholds that don't penalize project-based borrowers.
Experience-Based Approval
Verified construction experience preferred, but first-time flippers are welcome through our Fix & Flip program.
No Traditional Income Docs
No W-2s, tax returns, or pay stubs required. We underwrite the project and the borrower's track record.
Entity Closing
Loan closes in your LLC — protecting your personal assets while keeping your business structured.

Key Advantage: Flexible underwriting designed for project-based investors. Draw schedules are tied to actual construction milestones, ensuring your funding keeps pace with your progress.
Chapter 3
Lower Cash-to-Close
New Lower Cash-to-Close Options
Maximizing leverage is the name of the game. Our new closing structures are engineered to keep more cash in your pocket at the closing table — so you can deploy capital where it matters most: into your project, your materials, and your timeline.
Cash Now ↓
Lower upfront costs at closing with deferred points or zero-point options
Build Smart
Redirect capital toward materials, labor, and project execution
Profit at Exit ↑
Pay deferred costs from sale proceeds — maximize ROI on every deal
Deferred Points
Pay part of your origination fee at payoff instead of closing. Ideal for investors running multiple projects who need to preserve working capital upfront.
Zero-Point Option
Pay no points at closing — a game-changer for quick flips where speed and low entry cost drive profitability. Designed to maximize your leverage from day one.
Chapter 4
Strategic Advantage
Build More. Scale Faster.
This isn't just a loan — it's a strategic financing partnership designed to help you grow your portfolio, preserve liquidity, and execute on multiple projects simultaneously. When your financing is aligned with your business model, everything moves faster.
Preserve Liquidity
Keep capital available across multiple active projects instead of locking funds into a single deal.
Reduce Capital Strain
Lower upfront requirements mean more cash for materials, labor, and unexpected project needs.
Flexible Exit Strategy
Sell the completed property for maximum profit, or refinance into a long-term hold — the choice is yours.
95%
Construction Costs
Financed up to approval
4 Mo
Interest Deferral
Built into your loan
18 Mo
Loan Terms
Aligned to project timelines
Ready to Finance Your Next Build?
Let's review your lot, plans, and budget — and structure a financing solution tailored to your next project. Whether you're breaking ground on a new build or flipping your next property, we're ready to move when you are.
Wandaliz Torres
Mortgage Loan Originator
Marymont Financial Services
NMLS 1686119
Contact
📧 [email protected]
📞 (407) 716-3417
Office
610 Sycamore St, Ste 140
Celebration, FL 34747
Start Your Pre-Approval →
Marymont Financial Services · All loans subject to credit approval and program guidelines. Terms and conditions may vary. Contact us for full details.