Michael TheutNEXA LENDING · NMLS #2674789

Builders & developers · Florida + select states

Project financing, from the lot to the exit.

I arrange land, construction, bridge and take-out financing across NEXA's lender network, and I help your buyers qualify. Send me the project and I'll tell you what fits and what the lender will need to see.

Michael Theut
Michael TheutMortgage Loan Originator · NMLS #2674789 · Verify ↗

Send me the project

No credit pull. Not an application or a commitment to lend. I reply within one business day.

✓
Got it. I'll review the project.

Expect a call or text within one business day.

Or book a call now

What I finance

Every stage of the project.

Ground-up constructionSpec homes, build-to-rent and small infill projects.
Construction-to-permanentLot, build and long-term loan, one closing where the program allows.
Land & lot loansRaw land, finished lots and lots with plans in hand.
Acquisition & developmentSubdivisions and horizontal development.
Multifamily 5+Ground-up, value-add and stabilized, including agency and HUD programs.
Commercial & mixed-useRetail, office, industrial and mixed-use with residential.
SBA 504 & 7(a)When your business will occupy the building.
Bridge & take-outShort-term capital to finish, then DSCR or permanent debt to exit.

Be ready

What most construction lenders ask for.

Have these ready and your project gets a real answer faster. Missing a few? Send it anyway and I'll tell you what matters most for your deal.

  • Plans, specs and a line-item budget
  • Sources and uses
  • Your experience on similar projects
  • Land contract or deed, and entitlement or permit status
  • As-completed value or comps
  • Entity documents (LLC operating agreement)
  • Liquidity and reserves
  • Timeline, draw schedule and exit plan

Builder partner program

Your buyers, closed clean.

If you build homes for sale, I help your buyers get pre-qualified fast, find DPA programs all over Florida, and close on time, in English or Spanish. No referral fees, ever. Just fewer fallen deals.

Fast pre-qualificationA same-day read on buyers you send, so you know who's real.
Down payment helpDPA programs all over Florida, matched to each buyer.
BilingualNative Spanish for your Spanish-speaking buyers.
Clear updatesYou hear where each file stands without chasing anyone.

How it works

From project to term sheet.

01Send the projectThe form above, or call me with the numbers.
02A read within one business dayWhich programs fit, what's missing, and the likely deal-killers.
03Lender quotesI shop it across the lender network and bring you the options.
04Close and drawI stay on it through closing, draws and the exit loan.

Builder & developer FAQ

Straight answers.

Are you the lender?

No. I'm a mortgage loan originator with NEXA Mortgage LLC. I arrange financing across NEXA's lender network, so you get several lenders' appetite for your project instead of one bank's. Terms come from the lender after review.

Do you finance projects outside Florida?

Many construction, bridge and investment programs are available in select states nationwide. Send me the address and I'll tell you what's available there.

Can you help me raise equity for the project?

I arrange the debt. Raising equity from passive investors is a securities matter, so I'll point you to a securities attorney or licensed broker-dealer for that part. I'm happy to coordinate the loan side with them.

Do you pay or charge referral fees?

No. I don't pay or accept referral fees. Builders work with me because their buyers get pre-qualified fast and close clean.

Do you do multifamily and HUD?

Yes. 5+ unit multifamily, including agency and HUD programs, through the lender network. Those take longer and need a full package, so the earlier you send it, the better.

Got a project? Send it over.

Numbers first, no fluff. If it doesn't pencil, I'll tell you why.

Send a project →Call 352‑279‑5258Book a call