Owner Builder Financing with Little to No Down Payment!
No Monthly Consulting Fees, No Nonsense Financing
Build Your Home Your Way and SAVE THOUSANDS!
 No General Contractor license Required!
No Up Front Fees EVER!
No "Consulting Fees" or other monthly administration fees
No Payments While You Build!
Finance up to 100% of all land and construction costs!
You may want to consider being an owner builder if you can honestly answer the following questions:
1) Do you want to build the exact home you have in mind, without compromising either quality or amenities?
2) Do you want to save, on average, $62,276 on your new home's construction costs? This is the exact average savings of our clients over the past 6 years - it equals a savings of 22.38% of their homes' appraised market value - achieved by eliminating the builder’s mark-up and managing the process yourself.
3) Are you willing to spend the time and energy in the planning and management of the construction in order to save thousands while building your home your way? |
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If you answered “yes” to these questions above, you should consider our owner builder program. You will have the flexibility to decide exactly how your home will be built – with your choice of materials and your choice of sub-contractors.
You can even do some or all of the work yourself (although we don’t require you to ever pick up a saw or a hammer if you don’t want to).
We don’t charge “Consulting Fees” like many owner builder programs, meaning we have no hidden mark-ups and no monthly "administration" fees. But that doesn’t mean that we don’t offer you our support and expertise from the start of your planning until the last nail is hammered.
We will be with you every step of the way. In fact, we allow you to decide on the level of support you want from us. Need us to review bids with you? No problem. Have a question on anything from draws to roof framing while you're building? No problem. Want us to leave you alone and let you build? No problem.
You see, we understand that an owner builder is self-motivated and capable. We will be here for you throughout your project, but we won’t get in the way of your progress. You decide how much you need us, and we wont charge you an extra penny for our support.
Read what one of our recent owner builder clients had to say about the process: The Liston's.
What do you need to qualify for an owner builder construction loan?
Like any loan you may apply for, we require our owner builder clients to qualify for a mortgage. Typically, you must be credit worthy and have an income that qualifies for the size and cost of the home you wish to build.
The exact requirements will vary slightly depending on the loan size and type you are seeking. We will be glad to discuss your specific situation with you and determine whether you qualify for our program.
Please take the time to review the links to the left, especially our Getting Qualified page.
Remember, being an owner builder is not for everyone. In addition to income and credit qualifications, we also qualify you based on your motivation and desire to build your home your way.
We don’t expect you to build the home yourself or even to have the experience to build an entire home yourself.
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.
The Process – From Start to Finish
Once you have identified the land you want to build on and the home plan you want to build, we will work with you in determining your final owner builder construction budget and insure that it fits within our program’s guidelines.
You will be responsible for obtaining all bids and quotes, as you are the GC on the job. We will be glad to review bids as you need and offer any assistance necessary to help insure you have a properly budgeted project.
While you are collecting bids and meeting with potential sub-contractors as the owner builder for the project, we will be working for you behind the scenes obtaining an appraisal and title work for your project, as well as assisting you with obtaining the proper insurance and documentation necessary for the loan.
Only after all these steps are complete can you “close” on the loan. This would be your one and only closing in the process. Typically, you will “lock” in your construction rate for the term of owner builder construction and will be able to decide on the type of permanent loan you wish to have as well (such as a 30 year fixed, adjustable rate, interest only rate, etc).
Please be sure to read our discussion of how owner builder Construction to Permanent loans and rates work on our Getting Qualified page.
While building, we will remain available to you to help with both construction-related questions as well as loan-related questions. Once construction is complete, we will assist you with anything you need related to your final “permanent” loan.
As you can see, we do much more than just provide an owner builder loan to you. No one in America offers the same complete package that we offer to an owner builder - and we do it without monthly “consulting fees” or extra, sometimes hidden monthly “administrative fees.”
Complete our owner builder information request form now and find out how to qualify for this one of a kind program.
Remember, We offer:
Up to 100% Financing on Land and Construction Costs, and:
- Owner controls the draws. You pay the sub-contractors only when you're happy with the work they've done for you.
- Low Owner Builder Construction Loan Rates.
- Low Permanent Mortgage Rates.
- No license required to build.
- NO payments while you build using our Interest Reserve feature!
- Your choice of permanent mortgage (fixed, ARM, etc.).
- One-time closing (a true owner builder construction-to-perm loan all in one).
- Land Payoffs (including land contracts).
- 24 hour pre-approval with no application fees.
- Sale of current home not required to start building.
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