Owner Builder Construction Loans to Build Your Own Home with Little to No Down Payment!
Please note: currently we are not providing any construction financing. We hope to be back and better than ever as soon as the mortgage lending crisis is behind us and funds for construction lending become more readily available. |
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.
Owner Builder Construction Can Save You Tens of Thousands of Dollars. If you Qualify, You Can Bring Zero to Closing and Move In with 10%-30%+ Equity!
Imagine saving $62,276 on your next home simply by acting as your own general contractor. Our clients do just that with our help and guidance. In fact, that is the exact amount our clients save, on average, by acting as their own contractor.
Our Owner Builder program is the only owner builder program in America that offer's up to 100% Financing of your land and construction costs WITH NO CONSULTING FEES.
You can manage your new home project and save thousands of dollars in the process. You don't have to physically build your new home, although you are free to do as much or as little of the work as you would like.
You are the owner builder, so you choose your contractors, your materials, and make all the final decisions regarding your new home.
We will be there every step of the way to help insure that you can successfully complete your new home and move in with thousands of dollars in equity.
How Much Can You Save as an Owner Builder?
Owner builder construction can save you tens of thousands of dollars on your new home - and do it by putting nothing down if you qualify. Our clients do it every day. You can, too.
On average, our owner builder clients save between 15% and 30%+ - an average of $62,276 - simply by following our program and eliminating the need for a General Contractor. We don’t expect you to build the house yourself, only act as the project manager during the process – possibly using the same skills that you already use every day in your current job.
Many of our clients never swing a hammer or lift a piece of lumber. Some, however, wish to be involved in the building process and save even more. The choice is yours.
And speaking of choices, no other owner builder program in America gives you as many: We do not restrict your choice of land, building materials, or sub-contractors. We are here to help you out, not limit you, so that you can build your dream home with a savings of tens of thousands of dollars.
Financial Freedom for You and Your Family.
Equity in your home is the number one way to build financial freedom for you and your family. Since the average person pays “retail” for their new home, they must pay top dollar, which is bad news if they cannot afford the home that they want.
Our owner builder clients, on the other hand, pay “wholesale” by avoiding the typical 20%+ markup of a builder. They pay tens of thousands less than the house is worth, move in with instant equity, and get the benefit of raising values while locked into their lower priced mortgages.
The average person goes to a realtor or builder to buy a home. Pays exactly what the house is worth. And makes a large down payment. Often times, the average person must “settle” for less than they really want due to these problems.
An owner builder puts little or zero down. Designs and builds the exact home that they want. And moves in with tens of thousands of dollars of instant equity. Which would you prefer – being average or being smarter than average?
Our Owner Builder Support, Your Choices.
Our owner builder support team will help guide you through your project. The program is designed to help make your job go as smoothly as possible. As always, the final decisions are yours to make, but we will provide as much or as little assistance as you want or need. We can even help right from the start by
- assisting you with your land purchase and home plan selection/ design
- working with you on budgeting and estimating
- helping you choose sub-contractors
- preparing your financial documents for our owner-builder construction loan
- providing guidance throughout your entire building phase and answering any questions that may arise
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Choices. Support. Savings.
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.
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 builder construction lending --
- Up to 100% financing on land and construction 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 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, the owner builder, will stay in control and make payments to sub-contractors when you are satisfied with the work.
- No payments while you build and no interest on any money that is not used. If you use our Interest Reserve option, you won't have to make any payments out of pocket while you build your home - ask us how!
- Our “one-time close” owner builder 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.
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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 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.
As each owner builder 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.
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