On January 17th, our team at Kings of Lending attended a Miami networking and wellness event hosted at Edge House Miami. While the event brought together professionals from real estate, wellness, and lifestyle industries, it also highlighted an important conversation we often have with buyers: how to plan financing early for pre-construction properties delivering years from now.
With many Miami developments breaking ground today and targeting delivery around 2027–2028, early mortgage planning is becoming one of the most important steps buyers can take.
Pre-Construction Buying Requires a Long-Term Financing Strategy
Pre-construction purchases are fundamentally different from traditional home purchases. Buyers commit early, often years before closing, while financing qualifications are determined much closer to delivery.
This gap creates risk for buyers who don’t plan ahead.
Key questions we help clients think through early include:
-
How will my income be reviewed when the building is complete?
-
What happens if lending guidelines change?
-
How do I prepare if I’m self-employed, 1099, or an investor?
-
What should I do now to avoid issues at delivery?
Attending events like Edge House Miami allows us to stay aligned with real-world development timelines - not just lender assumptions.
How Kings of Lending Helps Pre-Construction Buyers Prepare Early
At Kings of Lending, we don’t wait until delivery to assess financing. We work with buyers years in advance to help them prepare responsibly.
✔ Early Financial Planning
We help clients understand what lenders will look for closer to closing, including credit profile, income consistency, assets, and debt-to-income ratios.
✔ Income & Documentation Strategy
For self-employed, 1099, business owners, and complex income scenarios, early planning allows time to structure documentation correctly — reducing stress later.
✔ Credit & Liability Awareness
Pre-construction timelines give buyers time to optimize credit, manage liabilities, and plan major financial decisions strategically.
✔ Program Awareness Over Time
Loan programs evolve. Staying connected with a licensed loan officer team ensures buyers understand which options may be available when delivery approaches — not just today. Buyers can also [Explore Available Loan Options] based on their income, credit profile, and long-term goals.
The Importance of Lender–Agent Collaboration in Pre-Construction
At the Edge House Miami event, we also connected with Diana Niever of Douglas Elliman, who works with clients across the Miami and Houston markets.
Strong collaboration between experienced real estate agents and licensed loan officers is especially important in pre-construction transactions, where timelines are long and planning matters. When buyers, agents, and lenders are aligned early, the path from contract to closing becomes far smoother.
Planning Ahead Can Protect Your Investment
Many buyers lose opportunities or deposits, not because they lack interest or resources, but because financing was never planned early enough.
Whether you’re considering a pre-construction purchase at Edge House Miami or another upcoming development, the smartest step is to start the financing conversation well before delivery.
Thinking About Buying Pre-Construction in Miami?
If you’re planning to purchase pre-construction with a future delivery timeline, early guidance can make all the difference.
👉 Schedule a free home loan consultation with Kings of Lending to discuss how to prepare today for a successful closing tomorrow.
