Owner Builder Construction Loans

Unique Owner Builder Construction Financing

The first step to a successful home-building project is financing.

We have the best program in the nation for owner-builders and construction lending --

Up to 100% financing on land, building costs, and all permits, fees and closing costs. You can actually build the home of your dreams for nothing more out of pocket than the cost of your appraisal (usually $300 - $400), plans and insurance.
Be your own General Contractor. An owner builder cuts out the cost of the GC and saves tens of thousands.
Interest rates that are as good as any you will find for lesser programs.
No Application Fees or Upfront Fees. No fees are paid until the loan closes and you begin building your home.
No Consulting Fees. Some owner builder programs charge high consulting fees before and during construction. We have no monthly consulting fees and no required set of building materials or contractors.
We understand construction loans like no one else and will work with you to make the process as trouble-free as possible.
We allow you to control all loan funds. This means that you stay in control and make payments for draws when you are satisfied with the work.
No payments while you build and no interest on any money that is not used. If you qualify for our Interest Reserve feature, you won't have to make any payments out of pocket while you build your home - ask us how!
Our “one-time close” loan means even more savings for you when your home is complete.
Hire any sub-contractors and use any supply companies that you want. We don't limit you to any pre-approved list of sub-contractors or vendors.

If you would like more information, please start by completing our Owner Builder Information Request Form. We will not be able to properly discuss your project with you until you complete the Information Request Form. This form also gives you the option of requesting our free brochure, filled with useful details about our programs.

Can I Qualify for an Owner Builder Loan?

We only offer this unique way of building a new home to motivated families who see the value in a little hard work.

In addition to your motivation, we require certain credit, income and savings requirements to qualify for our 100% program. This is not a program for poor credit or low income borrowers.

Please see our Getting Qualified page to learn more about these options, as every situation is unique and will require individual attention.

Owner Builder Financing is the First Step

Building a new home is exciting. Choosing your home plan is only half the battle. You also have some tough decisions to make. In addition to deciding what house to build and where to build it, you will need to know how to finance the project.

We are here to help you. Our specialty is owner builder construction loans, so we understand the decisions you need to make, the questions you may have, and how to best assist you with your project.

The links to the left will help you understand the various programs we offer and will provide the answers to many of your questions.

When you are ready to discuss your specific project and options, fill out our Owner Builder Information Request Form. This form will give us an overview of your project scenario to let us know how to best assist you.

Many of our owner builder loans offer you up to 100% financing with a ONE-TIME CLOSE and the ability TO MAINTAIN CONTROL OF THE DRAWS. And NO PAYMENTS WHILE YOU BUILD.

As each project is unique and has different needs, you will need to discuss your specific project with us so in order to determine the right program for you.

Owner Builder Information Request

(And Free Brochure Request, if Desired)

Please use this form as your first means of contacting us with any questions about our programs, as the information you provide on the form will allow us to provide faster, more accurate guidance.

This is a secure form. This form requires NO compromising personal information, NO social security information, and we will NOT run a credit check. The form simply provides us with an overview of your scenario so we can best assist you as quickly as possible.

Please be as honest and accurate as possible so that we may best serve you. Please list any questions you have at the bottom of the form.

Please fill in all boxes - enter a "0" or "n/a" for the items that do not apply.

This information will be used only by us and will not be distributed in any way whatsoever.

Thank you for your interest in our program.

Also, if desired, you will have the option of requesting that we send you a free brochure about our owner-builder program that will have some helpful details for you. There is a simple checkbox in the form to allow you to choose whether you would like the brochure.

Fields marked with an asterick (*) are required.

Your Contact Information:

I am... *
First Name *
Last Name *
Co-Borrower First Name
Co-Borrower Last Name
Home Street Address *
Home City *
Home State *
Home Zip *
Person to Contact is *
Email *
Daytime Phone Number *

(NOTE: You must provide a phone number that we can reach you during business hours of 9 am to 5 pm Eastern Time.)

Do you currently Rent or Own? *
If you own, amount of equity currently in home?


Check the box to the right if you would like us to send you a brochure about our owner-builder programs:

Your Project Information:

My project... *
Type of construction... *

Location of Building Site:

City *
State *
Zip *

This home will be... *
Do you own the land yet? *
If so, when did you acquire it (mm/dd/yyyy)?
If so, did you purchase it, or was it a gift?
Amount Paid for Land ($)
Balance Owed to Pay Off Land ($)
Current Value of Land ($)
If you don't own land yet, are you ready to make an offer?
Roughly what will the purchase price be? ($)
(If not sure, enter a range of lot prices you're considering.)
Size of the land to the nearest acre


Do you have a house plan? *
Square feet of living area + bonus rooms
# of Floors
# of Bedrooms
# of Bathrooms
Foundation Type
Have you applied for building permits yet?
If yes, Date Applied (mm/dd/yyyy)?
Have permits been approved and issued?

I plan to... *

Estimated Cost of All Construction (not including land cost) ($) *
Estimated value of entire finished property you wish to build ($) *

(Note: be sure you understand the potential finished value of the home you wish to build. There must be comparable homes in the immediate are to establish a proper appraised value.)

Your Financing Request:

I would like to... *

Your Gross Income (before taxes): ($) *
Co-borrower Gross Income (before taxes): ($)
Other Income (child support, retirement, etc.): ($)
Borrower Income is... *
Co-Borrower Income...

Monthly Car Payments: ($) *
Monthly Credit Card Payments: ($) *
Monthly Rent or Mortgage Payment: ($) *
Alimony/ Child Support Monthly: ($) *
Other Notes/Loans Monthly Payment: ($) *

Amount in checking and savings accounts (liquid): ($) *
401(k), IRA, other retirement accounts: ($) *
Stocks/Bonds/Mutual Funds (liquid): ($) *

Your Estimated Credit Score: *
Co-Borrower's Estimated Credit Score:
Have you had a Bankruptcy? *
Bankruptcy Type:
Have you had a foreclosure? *

Have you had ANY other credit issues in the last 3 years, such as mortgage late payments, tax liens, court judgments, etc?

Do you have any comments or questions?

Thank you for taking the time to submit the form. We will review it and get back to you within 48 hours. At that time, we can discuss some of your specific plans, questions and concerns. If you choose to go forward, we will send you a full application

Up to 100% Owner Builder Financing to Build Your Home !

Owner Builder Construction Loans do not have to be expensive and complicated. We will help you through every step of the process so that you can focus on building your home.

Unique Owner Builder Construction Financing