Introduction To The Builder / Dealer

Build Your Beautiful Custom Home In Tampa, St. Pete, Sarasota, Clearwater, or Anna Maria Island, Florida

Building a home in Florida is not the same as building anywhere else. Coastal exposure, hurricane code, flood zones, and the cost of doing it right all push the price of a custom home higher than most buyers expect when they first start looking. Glades & Bay Construction has been navigating that reality for five generations. They build custom homes, semi-custom “Build Our Plan” homes, and multi-family infill projects across Florida's Gulf Coast, with the local knowledge and the resilient design discipline that the climate actually requires.

The financing has to match the build. That is where most Florida custom home projects either save real money or quietly lose it to fees buyers do not see until closing. As a registered lender for Glades & Bay, BuildBuyRefi finances these builds through The Federal Savings Bank, a federally chartered FDIC-insured direct lender. Every loan is originated, underwritten, and draw-managed in-house. Nothing is brokered. Nothing is sold off after closing.

One thing worth understanding before you go any further: Glades & Bay is already registered & approved to work with our bank. That matters because builder approval is usually the slowest, most boring part of starting a construction loan when the lender has never worked with the builder before. It involves financial paperwork, license verification, insurance review, and a builder's willingness to sit through approval calls they would rather not take. Skipping that entire phase shaves 30 to 60 days off the front end of your loan. Your approval is the only one left to complete.

Five Generations Of Florida Roots, Built Into Every Home

Glades & Bay Construction is led by Jon Edwards DeBellevue, a second-generation builder and real estate professional whose family has called Florida home for five generations. That heritage is not marketing language. It shapes how the team picks materials, designs for the climate, and builds homes meant to last in Florida specifically.

Jon also operates as a licensed Realtor through LPT Realty, which gives Glades & Bay a structural edge most Florida builders cannot match. If you already own your lot, this is a non-issue. If you are still searching, the same team that will build your home can help you find and evaluate the right parcel first, including zoning, flood zone, elevation, and off-market infill opportunities. That alone prevents the most common Florida custom home failure: buying a lot that does not actually support the home you want.

What Property Styles Glades & Bay Construction Builds

Glades & Bay is licensed to build one, two, and three-family residential properties, plus accessory structures like ADUs, pool homes, garages, and detached workshops on the same lot.

In practice, that breaks down into three project types.

Custom Homes

Designed from scratch around your lot, your lifestyle, and your architectural preferences. This is the right path when you have a specific vision and want every decision to be yours.

Build Our Plan (Semi-Custom)

A curated collection of refined Florida floor plans you can start from and customize. Most buyers find that 80% of what they wanted in a fully custom home is already here, at a faster timeline and a more predictable price.

Multi-Family And Infill Development

Duplex and triplex builds, infill projects on tight urban lots, and small subdivision build-outs. This is a real niche in the Tampa Bay market, and most custom builders in Florida do not handle it.

Specialty Construction

ADUs, pool homes, and detached garages are built under the same standards, whether they are part of a new home or added to a property you already own.

Every project category is supported by an in-house Project Designer, an in-house Project Manager assigned at permitting, and an in-house Warranty Manager introduced at New Home Orientation.

Build On Your Lot Or Find One First

Glades & Bay handles both paths.

If you already own your lot, the build starts with a site evaluation covering the things that actually shape what can go on the parcel: zoning, flood zone, elevation, and access. From there, the team matches the lot to either a custom design or a Build Our Plan layout that fits. Your land equity counts toward the loan-to-value on the financing side, and a lot owned free and clear often eliminates the down payment entirely on qualifying programs.

If you do not own a lot yet, Jon's Realtor operation through LPT Realty is folded into the build process. Lot search, evaluation, and acquisition happen with the same team that will eventually build on it. That continuity is the structural advantage. Most Florida buyers piece this together across three or four parties who do not talk to each other.

The Glades & Bay Build Process

Initial Consultation. The team works through your vision, lot, budget, and timeline. If you do not have all of that figured out yet, that is normal. Most buyers do not.

Plan Development And Touring. You tour completed homes and supplier showrooms to see real finishes and fixtures before locking anything in. This is also where the design and the budget get reconciled.

Final Plan, Specs, And Contract. Floor plans, elevations, and the full specification list are finalized and reviewed with you. Once you sign, design selections and permitting begin in parallel.

Design Selections. You work with the in-house Project Designer to choose every interior and exterior finish while permitting moves forward. The complete Design Package is locked before construction starts.

Permitting And Construction. Florida permitting typically runs two to four months depending on the plan and the jurisdiction. Once permits are issued, you meet your Project Manager, who runs the build and keeps you updated. Expedited timelines are available at additional cost.

Move-In And Warranty. The home goes through Glades & Bay Quality Control before closing. At New Home Orientation, you are introduced to the in-house Warranty Manager, who is your point of contact for anything that comes up after move-in.

Florida Coastal And Hurricane Code Construction

Florida construction operates under a different rulebook than the rest of the country. Coastal exposure, hurricane code, and flood zone classification all directly affect what gets built, how much it costs, and how the loan gets underwritten.

Florida Building Code and hurricane zones. Glades & Bay builds to current FBC standards: wind mitigation, impact-rated windows and doors, hurricane straps, reinforced roof-to-wall connections, and code-compliant garage doors. These features show up in both the construction budget and the as-completed appraisal, which is one of the reasons a lender unfamiliar with Florida construction can underwrite a loan that does not actually appraise.

Flood zones and elevated foundations. Tampa Bay, Pinellas, and Anna Maria Island contain significant AE and VE flood zone acreage. Building there often requires elevated foundations, breakaway walls, and construction methods that affect both cost and insurance. If you are building in a flood zone, ask Bobby specifically about how flood insurance, elevation certificates, and the appraisal interact. That conversation saves problems later.

Wind mitigation and FORTIFIED Home certification. Wind mitigation features can meaningfully reduce homeowners insurance premiums in Florida, and FORTIFIED certification can reduce them further. The upgrades can be folded into the construction budget if you want them included.

Coastal materials. Salt air, humidity, and storm exposure shorten the lifespan of materials that perform fine inland. The specifications you choose during construction either prevent or guarantee expensive repair cycles five and ten years out.

The financing has to match the build. Our underwriting team has financed Florida coastal construction across every flood zone, foundation type, and code requirement the state has, and the same banker stays with you from origination through final draw.

How The Lynn Modular Homes Process Works

Lynn Modular Homes is designed for buyers who want fewer surprises and more control. Their process is clear and structured.

1. Initial Consultation
   The team listens to your goals, timeline, and budget. They discuss whether a modular, manufactured, or ADU home best fits your needs.

2. Design And Planning
   Working with their design team, you choose floor plans, exterior style, interior finishes, and systems. They help you understand how each choice affects cost and schedule.

3. Site Prep And Foundation
   Site preparation, utilities, and foundation work are coordinated so the property is ready for arrival of the home.

4. Factory Build And Delivery
   Your home is built in a controlled environment, then transported to the site. Because so much is completed in the factory, on site work is faster and more predictable.

5. Set Up, Final Work, And Move In
   The home is set, connected, and finished. Once inspections are complete, it is time to move in.

This approach helps reduce stress from start to finish and makes the entire process easier to follow.

Up To 100% Construction Financing With BuildBuyRefi.com

Building a modular, manufactured, or ADU home with Lynn Modular Homes is only part of the story. The financing needs to match the build.

Homebuyers working with Lynn Modular Homes can access specialized construction loan programs in all 50 states through Timothy Blowe, Sr. Vice President in Construction Lending and Top Rated® Construction Banker with BuildBuyRefi.com, powered by The Federal Savings Bank.

Available options include:

• One Time Close Construction Loans (OTC Loans)

• Two Time Close Construction Loans

• FHA Construction Loans

• VA Construction Loans

• Conventional Construction Loans

• Jumbo Construction Loans

• Portfolio Construction Loans

• ITIN Construction Loans for Foreign National Borrowers

• Investor Construction Loans Now Available

• Land And Home Loans

Qualified borrowers may:

• Finance up to 100 percent of construction costs on select programs

• Receive up to *$50,000 extra before, at, or after closing

• Save up to *30 percent off real estate commissions in all 50 states through a participating national agent network, applied as a closing cost credit

These programs are handled in house. You are not being passed off to unknown third party brokers who do not service their own construction loans. You get a team that understands One Time Close Construction Loans, Two Time Close Construction Loans, and land and home packages from start to finish.

Discover how you can build with Lynn Modular Homes and finance smarter at the same time. Check your eligibility today or schedule an appointment with Timothy Blowe for a one on one review of your construction loan options.

Exclusive BuildBuyRefi.com Benefits For Lynn Modular Homes Clients

Extra Funds For Your New Home

Qualified borrowers may receive up to $50,000 in additional funds before, at, or after closing. Many clients use this for upgraded finishes, furnishings, outdoor spaces, or to consolidate debt and improve their overall financial picture.

Lower Real Estate Commissions Nationwide

When buying land for your new Lynn Modular home or selling an existing property, you can save up to 30% on listing-side real estate commissions through our participating national agent network. These savings are typically applied as a closing cost credit, helping you keep more cash in your pocket.

Strong Rates And Lower Fees

BuildBuyRefi.com is structured to compete with, and often outperform, traditional brokers and retail lenders. Many borrowers benefit from lower fees, competitive interest rates, and programs that are specifically tailored for modular, manufactured, and ADU home projects.

Low Or No Down Payment Options

Depending on your situation and loan type, you may qualify for low or even no down payment construction financing. This can make it easier to move forward with your new Lynn Modular home without having to drain savings or delay your build.

In House Construction Expertise

Decisions are handled in house, including construction draw management and builder approval, which can speed up approvals and help keep your project moving. You are not handed off to third party services you have never met.

Connect with Timothy Blowe, Sr. Vice President and Top Rated Construction Banker with BuildBuyRefi.com, powered by The Federal Savings Bank, to review the best financing options for your new Lynn Modular Homes project and check your eligibility.

Check Your Eligibility for a Lynn Modular Homes Loan Today

• Once you’ve submitted your information, Timothy, our Lynn Modular Homes Team preferred banker, will guide you through the steps.

• To be assigned to Timothy Blowe, complete the eligibility or calendar forms on this page.

Would you prefer to speak with Timothy Blowe directly?

• Book a one-on-one consultation with Timothy Blowe, Sr. Vice President of BuildBuyRefi, a lead construction division banker who proudly serves our Lynn Modular Homes registered builder relationship.

• You must complete the eligibility or calendar forms on this page to be assigned to Timothy with Lynn Modular Homes.

FAQs About Lynn Modular Homes And Construction Loans

1. Does Lynn Modular Homes Only Build In Virginia?

Lynn Modular Homes builds throughout Virginia and Florida. If you are looking for Builders Near Me in those states who can deliver modular, manufactured, or ADU solutions, they are a strong option to consider.

2. What Is The Difference Between Modular And Manufactured Homes?

Modular homes are built in sections in a factory and then assembled on a permanent foundation. They are typically constructed to the same local building codes as site built homes. Manufactured homes are also built in a factory but are usually built to a federal code and can be moved. Both options can be energy efficient and cost effective when installed correctly.

3. Can I Use A One Time Close Construction Loan With Lynn Modular Homes?

Yes. Through BuildBuyRefi.com, many buyers working with Lynn Modular Homes may qualify for One and Two-Time Close Construction Loans (OTC Loans & 2X Close Loans). These loans can combine land, improvements, construction, and permanent financing into a single closing, or two, which can reduce costs and simplify the process.

4. Are FHA Construction Loans Available For Modular Or Manufactured Homes?

FHA Construction Loans may be available for certain modular and manufactured home projects when they meet program and foundation requirements. Timothy Blowe, Sr. Vice President in Construction Lending, can review your plans and help you determine whether an FHA Construction Loan or another option such as USDA Construction Loans, VA Construction Loans, or Conventional Construction Loans are the best fit.

5. Can I Finance Land And A Lynn Modular Home Together?

Yes. Land And Home Loans allow buyers to combine land acquisition and new home construction in a single plan. This can simplify the financing journey and is often attractive for buyers starting from raw land.

6. Are Jumbo Or Portfolio Construction Loans Available For Higher End Projects?

For larger or more complex builds, Jumbo Construction Loans and Portfolio Construction Loans may be available in house through BuildBuyRefi.com. These programs can support higher loan amounts, custom designs, and unique property situations that may not fit into standard guidelines.

7. Do You Offer ITIN Construction Loans For Foreign National Borrowers?

Yes. Eligible foreign national borrowers with an ITIN may qualify for ITIN Construction Loans when building with Lynn Modular Homes. These programs are more specialized, so a detailed review with Timothy Blowe is recommended.

8. How Long Does It Take To Build A Modular Or Manufactured Home?

Actual timelines vary by design, location, and site conditions. However, modular and manufactured homes are often completed in significantly less time than traditional site built homes. Building in a factory setting avoids many weather delays and can shorten the overall build cycle.

9. Can I Customize The Floor Plan And Finishes?

Yes. Lynn Modular Homes offers flexible layouts and design options. You can work with their design team to choose floor plans, finishes, and features that fit your lifestyle and budget. Modular and manufactured construction today supports a wide range of modern, open, and attractive designs.

10. How Do I Get Started With Lynn Modular Homes And BuildBuyRefi.com?

The best first step is simple.

• Reach out to Lynn Modular Homes to discuss your build goals, location, and preferred home type

• Then complete a quick eligibility check or schedule a call with Timothy Blowe at BuildBuyRefi.com

From there, you can review construction loan options, compare One Time Close Construction Loans and Two Time Close Construction Loans, and map out a clear path from land to finished home.

Ready to move from research to results. Discover how you can build your next home with Lynn Modular Homes and get up to 100 percent financing with BuildBuyRefi.com. Check your eligibility or book an appointment today.

Why Florida Homeowners Choose Glades & Bay Construction

Buyers who land with Glades & Bay tend to want a few specific things.

They want:

• A builder who actually understands Florida code, not someone learning it on their lot

• Help finding the right lot, not just building on one they already chose

• Predictable cost decisions, not a low number that climbs every change order

• Coastal-grade materials and resilient design from day one

• A real warranty contact after move-in, not a phone tree

Glades & Bay responds with:

• Five generations of Florida operating history, applied to current FBC and hurricane code standards

• Integrated lot search and evaluation through Jon's Realtor operation at LPT Realty

• In-house Project Designer balancing every selection against the agreed budget before construction starts

• Materials and systems specified for salt air, humidity, and storm exposure

• A named in-house Warranty Manager introduced to you at New Home Orientation

It is a model built on local knowledge, resilient construction, and the kind of accountability you only get when the people who designed and built your home are still the ones answering the phone after closing.

Contact Glades & Bay Construction

Glades & Bay Construction 4014 Gunn Hwy, Suite 125 Tampa, Florida 33618

📞 Phone: (813) 550-5613

🌐 Website: www.LivingSaltLife.com

The Glades & Bay team is ready to walk through your lot, your design ideas, and your timeline, and explain what is possible within your budget.

For construction financing and loan structure, connect with:

Bobby Atkisson Senior Vice President and LPO Manager BuildBuyRefi.com, powered by The Federal Savings Bank NMLS #28045 | Direct: (573) 347-3560

Discover how you can build your Florida dream home. Check your eligibility today or schedule an appointment with our team for fast, VIP-level guidance.

View other builders at our Registered Home Builders Page.

For other modular and manufactured builders you may wish to check out Impresa Modular, or Next Modular, and even Zook Cabins for Cabin Style modular homes and manufactured factory built properties.