Sposen Homes Blog


If you are planning to build a new construction home in Florida, you may be wondering how to finance your project. One financing option to consider is a construction-to-perm loan. In this blog post, we’ll explain what a construction-to-perm loan is, how it works, and when interest payments are due. We’ll also discuss how the loan converts to a permanent loan at the completion of construction.

What is a Construction-to-Perm Loan?

A construction-to-perm loan is a single loan that finances both the construction of your new home and the permanent mortgage that will replace the construction loan once your home is complete. This type of loan eliminates the need for separate loans and closing costs – which can get expensive – for the construction and permanent phases of your home financing.

How Does a Construction-to-Perm Loan Work?

With a construction-to-perm loan, you will first receive a construction loan to finance the building of your new home. Your lender works with your Builder based on a set draw schedule. During the construction phase, you’ll make interest-only payments based on the amount you’ve borrowed to date, or which draws have been completed. These payments cover only the interest portion of the loan. Interest-only payments help keep your monthly payments low during the construction phase and free up cash flow for other expenses or savings.

Once your home is complete, the loan will automatically convert to a permanent mortgage. At this point, you will begin making monthly payments that include both principal and interest. The amount of your monthly payments will depend on the amount of the permanent mortgage, the interest rate, and the terms of the loan.

How Does the Loan Convert to a Permanent Loan?

Once construction is complete, your loan will automatically convert to a permanent mortgage. At this point, your lender will appraise your home to determine its value and finalize the permanent loan terms, such as the interest rate and repayment period. The remaining balance of your construction loan will be rolled into your permanent mortgage, and you will begin making monthly payments that include both principal and interest.


A construction-to-perm loan can be an excellent financing option for building your dream home in Florida. With this type of loan, you can simplify your financing, make interest-only payments during construction, and avoid the hassle and expense of multiple loans and closing costs. If you’re considering a construction-to-perm loan, our experienced team at Sposen Homes and qualified lenders can help guide you through the process and find the right financing option for your unique situation.

11 Tips For Navigating Hurricane Damage Insurance Claims

Dealing with the aftermath of a hurricane can be an overwhelming experience for homeowners, especially if there was property damage from the storm. While it may be tempting to put off filing insurance claims until the electric is back and cleanup is finished, it’s a crucial matter that requires attention as soon as possible. To help homeowners navigate this daunting process, we’ve put together 11 tips for tackling insurance claims after hurricane damage.

1. Prioritize Safety

Before delving into insurance matters, ensure the safety of yourself and your loved ones. If your home has suffered extensive damage, consider finding temporary shelter until you can address the insurance claim.

2. Understand Your Policy

Thoroughly review your homeowner’s insurance policy to grasp the extent of coverage you have for hurricane-related damage. Different policies may cover various aspects, such as structural damage, personal property loss, temporary housing, and additional living expenses. Understanding your policy’s terms is essential for an effective claims process.

3. Document the Damage

Take clear and detailed photos and videos of all the damage caused by the hurricane. Capture both the interior and exterior of your property, as well as any personal belongings that have been affected. This visual evidence will play a crucial role in supporting your claim.

4. Clarify the Source of Water Damage

Homeowners insurance policies typically cover water damage resulting from sudden and accidental incidents like wind-driven rain or damage to the home’s structure. If you have water damage from either of these sources, make sure to clarify the cause. Flood damage from rising water generally requires a separate flood insurance policy, so this clarification can make the difference between your claim being approved or denied.

5. Prevent Further Damage

Your responsibility as a homeowner is to mitigate further damage to your property. If it’s safe to do so, take immediate steps to prevent additional harm, such as covering a damaged roof with a tarp or boarding up broken windows. Document these mitigation efforts to demonstrate your proactive approach.

6. Notify Your Insurance Company

Promptly report the damage to your insurance company. Many policies have a time limit for filing claims after an event, so it’s important not to delay. Provide the documentation you’ve gathered and a thorough description of the damage when making the initial report.

7. Maintain Detailed Records

Keep a meticulous record of all interactions with your insurance company. Jot down the names, dates, and times of conversations, as well as the topics discussed. This record will serve as a valuable reference if any disputes arise during the claims process.

8. Arrange for an Adjuster Visit

Your insurance company will likely send an adjuster to assess the damage. Accompany the adjuster during their inspection and provide them with the documentation you’ve collected. Be sure to point out all the damage you’ve identified.

9. Obtain Repair Estimates

To ascertain the cost of repairs, gather estimates from reputable contractors. These estimates will serve as crucial evidence during the claims process and help you better understand the financial implications of the damage.

10. Be Patient and Persistent

The claims process can be time-consuming, especially after a widespread natural disaster when numerous claims are being filed. Stay patient and persistent, following up with your insurance company when necessary to ensure your claim progresses.

11. Review Settlement Offers

Upon receiving a settlement offer, carefully review it to ensure it adequately covers all necessary repairs and losses. If you find the offer insufficient, be prepared to negotiate with your insurer.

Navigating insurance claims after hurricane damage requires organization, patience, and diligence. By following these steps and seeking professional assistance if needed, homeowners can increase their chances of successfully navigating the complex process and receiving the compensation they deserve. Remember that every situation is unique, and staying proactive will contribute to a smoother claims experience.

6 Benefits of Using Salt Chlorinator Pool Equipment

As a homeowner in Florida, you know that having a swimming pool is one of the best ways to enjoy the beautiful weather and stay cool during the summer months. But maintaining a clean and safe pool can be a time-consuming and costly task, especially with the need for regular dosing of chemicals such as chlorine. That’s where salt chlorinator pool equipment comes in.

Salt chlorinators work by using electrolysis to convert dissolved salt in the pool water into chlorine, which sanitizes the water, and the chlorine compounds are then converted back into salt, creating a continuous cycle of disinfection. This eliminates the need for manual dosing, which is one of the key benefits of using salt chlorinator pool equipment for a residential home swimming pool in Florida.

Need more reasons to consider salt chlorinator equipment? Here are 6 key benefits for why you should consider investing in this pool technology.

1. Easy Maintenance – Salt chlorinators make it easy to maintain your pool’s cleanliness by continuously producing chlorine, eliminating the need for regular manual chlorine dosing.

2. Your Skin and Eyes Will Thank You – Salt chlorinated pools are gentler on your skin and eyes, as the salt produces a softer and more natural-feeling water experience compared to traditional chlorinated pools.

3. Cost-Effective – While the initial investment may be higher, salt chlorinators save homeowners money in the long run by reducing the need for expensive chemicals, lowering maintenance costs, and extending the lifespan of your equipment.

4. Safe for Your Family and the Environment – Salt chlorination produces natural chlorine from salt, so it’s less harmful than traditional chemical alternatives. This makes it safe for your family and the environment.

5. Less Maintenance – Salt chlorinators require less maintenance than traditional pool systems, reducing the time and money spent on repairs, upkeep and replacements.

6. Long-Lasting – Salt chlorinators last longer than traditional pool systems due to less hard chemicals being introduced to the system, reducing the need for costly replacements and repairs.

Investing in salt chlorinator pool equipment for your home swimming pool is a smart choice. It’s a cost-effective, eco-friendly, and safer option that reduces the need for maintenance and repairs and provides a more natural swimming experience. If you build a custom pool with your Sposen Home, our pool exerts at Fildi Pools can install a salt chlorinator as one of the many upgrade options. Salt chlorination is a popular and reliable pool technology that can take your pool experience to the next level and leave you more time to enjoy your pool and soak up the beautiful Florida sun!

Lee County School Zones - Where to Build Your Home

Are you looking to purchase a lot in Lee County with the intention of building your dream home? Do you have young children or plan to start a family in the near future? If you check both boxes, then Lee County’s decision to switch to proximity-based school zones may influence where you plant your roots.

As of the 2023-2024 school year, Lee County rolled out new maps for its school zones and will require all elementary students to attend a school within the proximity zone of their residence. Within these zones, a lottery system will decide which school each child will attend. Elementary Proximity Map

You can find out which schools are in each proximity zone with Lee County’s new interactive map.

A major reason for this change is the increasing population in Lee County, leading to busy roads and challenges getting children to school safely and on time. The shorter commutes are intended to solve the problem of tardiness and save the school district money, which they plan to funnel back into education.

Parents of rising elementary students who decide to waive district transportation have more options, but families who rely on the school bus to safely transport their children to school or are new to the area need to adhere to the Elementary Proximity Plan.

Our advice for those looking to build in the area; do research on the schools within the proximity zone where you’re looking to purchase a lot or home. Lee County has many excellent schools, so choose the zone that best fits your family’s needs! Schools in our area offer different school hours, academic programs and more.

Note that private schools are not required to participate in the Elementary Proximity Plan, so take that into consideration when you make your decision on where to build.

This change only affects elementary school students but be aware that middle and high schools are next on Lee County’s radar.

You can visit The School District of Lee County’s website for more information.

Set It and Forget It In-Wall Pest Prevention Style

As a residential home builder, we understand the importance of keeping pests at bay. Pests can cause significant damage to a home’s structure and can also pose health risks to the occupants. Plus, let’s face it nobody wants to share their home with uninvited guests. We recommend the installation of in-wall pest prevention systems to all homeowners to ensure that our clients don’t have the deal with unwanted tenants.

Features of In-Wall Pest Prevention Systems

In-wall pest prevention systems consist of a network of tubes that are strategically placed within the walls of the home. These tubes release a precise amount of pest control material into the walls, creating a barrier that pests cannot penetrate. The tubes are made of high-density polyethylene and are environmentally friendly, using less pest control material than traditional pest control methods.

Advantages of In-Wall Pest Prevention Systems

One of the advantages of in-wall pest prevention systems is that they provide continuous protection against pests without needing any maintenance or attention, making them a cost-effective option in the long run. They are also installed during the construction process, which means they do not cause any disruption to the occupants of a home. The tubes are hidden from view, so they do not affect the aesthetic appearance of a home.

Unlike traditional pest control methods, you don’t have to remember to spray every few months, set out traps, or call a pest control company. In-wall pest prevention systems are like the pest control version of “set it and forget it.”

Although in-wall pest prevention systems can be more expensive upfront they are cost-effective in the long run because they provide long-term protection and do not require regular maintenance or replacement.

Benefits of In-Wall Pest Prevention Systems

In-wall pest prevention systems protect against a wide range of pests, including termites, ants, roaches, and spiders, ensuring that a home is protected from a wide variety of pests.

They do not pose any health risks to the occupants of a home, and they can even help improve indoor air quality because they reduce the need for traditional pest control methods, such as sprays and baits, which can release harmful chemicals into the air.

In-wall pest prevention systems provide homeowners with peace of mind, knowing that their home is protected against pests.


In conclusion, in-wall pest prevention systems are an excellent investment for homeowners who wish to protect their homes against pests. They are environmentally friendly, cost-effective, and provide long-term protection against a wide range of pests without any of the hassle or maintenance that comes with traditional pest control methods. So, if you’re building a new home, consider installing an in-wall pest prevention system from the start and enjoying the pest free home.

As a builder in Southwest Florida, we understand the importance of creating a seamless integration between indoor and outdoor living spaces in your home. One of the most sought-after features for homeowners in this tropical paradise is a swimming pool. In this informative blog post, we will highlight six compelling reasons why you should consider contracting a pool at the same time as your new construction home. Adding a pool to your property can expand your outdoor lifestyle and create a haven of relaxation and enjoyment.

  1. Tropical Climate: SWFL boasts a warm and sunny climate, making it the perfect destination to enjoy outdoor living year-round. By building a pool, you can fully embrace the tropical weather and create a personal oasis in your own backyard. Imagine taking a refreshing dip in the pool on a hot summer day or relaxing by the water anytime you want with resort fees included!
  2. Enhance Your Home’s Aesthetics: A well-designed pool can significantly enhance the visual appeal of your property. It serves as a centerpiece, elevating the overall aesthetics of your home and creating a luxurious and inviting ambiance. With a variety of pool styles, shapes, and finishes available, you can customize your pool to perfectly complement your new construction home’s architecture and design.
  3. Increased Property Value: A home with a pool is more appealing to potential buyers, making it a smart and valuable investment. By building a pool into your new construction project, you can increase the resale value of your home. Florida’s reputation for outdoor living and the year-round pool-friendly climate makes this feature highly desirable to homebuyers, making it a wise financial decision.
  4. Cost-effective Construction: Constructing a pool simultaneously with your new home construction offers several advantages. Coordinating both projects saves you time and minimizes disruptions, as the builders can work in tandem, streamlining the overall construction process. It also tends to be more cost-effective, because the addition of a pool after a home’s completion means more obstacles to work around (like your house!), ripping up sod, irrigation relocations, etc.
  5. Health and Wellness Benefits: Swimming is not only a great recreational activity but also an excellent form of exercise. Having a pool in your backyard encourages regular physical activity, promoting a healthy and active lifestyle for you and your family. Swimming is a low-impact exercise that improves cardiovascular health, muscle strength, and overall well-being.
  6. Unparalleled Entertainment and Relaxation: A pool provides endless opportunities for entertainment and relaxation. From hosting poolside parties and barbecues to enjoying quiet moments of solitude by the water, your pool becomes a versatile space for making cherished memories with loved ones. It offers an escape from the daily grind, allowing you to unwind and recharge in the comfort of your own home.

Building a pool with your new construction home in Southwest Florida is a decision that can greatly enhance your outdoor lifestyle. From embracing the year round climate and increasing your property value to enjoying personalized features and health benefits, a pool offers a multitude of advantages. Take the opportunity to create your private oasis and enjoy the many joys that come with pool ownership. Contact us today to explore the possibilities of incorporating a pool into your new construction project and unlock the full potential of outdoor living in beautiful Southwest Florida. We offer several pool packages with many attractive options that allow for customization to help you create that perfect oasis for your new construction home!

As a new construction home builder, we recognize the importance of offering our clients the latest design trends that will enhance their living spaces. A kitchen backsplash is an essential component of any kitchen, and by incorporating the latest interior design trends, we aim to provide our clients with a remarkable and practical kitchen they will be proud to call their very own.


A kitchen backsplash protects the wall behind the stove and sink from splatters and spills, keeping the kitchen clean and preventing damage to the wall. A well-designed backsplash can also enhance the look and feel of the kitchen. It is quite often used to tie together the cabinets, countertops, and flooring to create a cohesive look for a kitchen. Backsplashes offer the perfect opportunity to add color, texture, and visual interest to a space. With choices like bold patterns, unique materials, or creative layouts, a well-designed backsplash can be a stunning focal point in any kitchen.

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At Sposen Homes, we understand that buying a home is one of the biggest financial decisions you’ll ever make. That’s why we want to help you make informed decisions about financing your new home. In this blog post, we’ll explain how buy down rates can help you afford your dream home and maximize your budget.

What is a Buy Down Rate?

A buy down rate is a mortgage financing option that allows you to pay an upfront fee to lower your interest rate and monthly mortgage payments for the first few years of your loan. This upfront fee can be paid by you, the seller, or even a third party. Continue reading ..

As the temperatures rise and the flowers bloom, spring is the perfect time to give your house some much-needed TLC. Here are 10 ways to care for your house this spring:

1. Clean Gutters and Downspouts: Your gutters and downspouts may have accumulated leaves, twigs, and other debris that can block the flow of water. This can lead to water damage, so it’s important to clean them out in the spring. Use a ladder to access the gutters and scoop out any debris by hand or with a gutter scoop. Then, use a garden hose to flush out any remaining debris, and check that the downspouts are flowing freely.

2. Check the Roof: Winter weather can take a toll on your roof, so it’s important to check for any damage in the spring. Look for loose or missing shingles and check for any signs of leaks or water damage. If you notice any problems, contact a professional roofer to address them before they become more serious.

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Culverts are a type of drainage structure commonly used in home construction to manage the flow of water around and beneath a property. They are typically installed in areas where water tends to accumulate, most commonly along the edges of driveways or roads.

The Role of Culverts in Home Construction

Culverts play a crucial role in managing the flow of water around and beneath homes. They are installed in areas prone to water accumulation, such as along driveways and roads. Culverts come in various shapes and sizes, and they’re constructed using durable materials like concrete to channel water from one area to another without causing soil erosion or damage to surrounding properties.

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