SEDA New Homes | Build On Your Land | Preferred Lenders


SEDA Preferred Lenders for Build On Your Land Projects

Why choose a preferred lender?

  • You will save TIME and MONEY with their one time close feature.
  • There is only ONE application, ONE approval and ONE closing.
  • You have a single contact person throughout the process.
  • They are Construction Loan Specialists.
  • Choose from flexible rate and term options to meet your needs.
  • Receive the same great customer service, after the loan is closed.


Patrick Lasher
Vice President Mortgage Banking
Hancock Bank
820 Hwy. AIA North, Suite E-8
Ponte Vedra, Fl. 32082

Cell- 904-545-7354

first federal bank logo

Cyndi Ray
First Federal Bank of Florida
Senior Mortgage Originator
9700 Philips Hwy. Ste. 102
Jacksonville, Fl. 32256

Cell- 904-616-4723
Office- 904-259-9603


Janice O’Connell-Mortgage Loan Officer
Lori Miller Bennett-Mortgage Loan Officer
CBC Bank
1981 South 14th. Street
Fernandina Beach, Fl. 32034

Office- 904-321-0400
e-mail Janice:


Jeff Zimmerman
Mortgage Loan Office-Vice President
Regions Bank
1409 Sadler Road
Fernandina Beach, Fl. 32034


Amortization Calculator

Below you’ll find a simple loan calculator which allows you to plug in different interest rates, loan amounts, and mortgage length so you can estimate your monthly payment. Plus, you can also see an amortization schedule of a loan which will show you how much of your payment goes towards the principle and how much towards interest. This loan calculator should be used only as an estimation as it doesn’t allow for taxes and insurance.

First Payment Year
Mortgage Amount
Interest Rate %
Mortgage Length Years
Payment Frequency

Payment Amount

Total Interest

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