Loan ProgramsOwner-Builder Construction Loans
Owner-Builder Construction Loans
Financing for borrowers acting as their own general contractor
Overview
How Owner-Builder Loans Works
Plenty of direct lenders require a licensed GC on every build. Portfolio and specialty lenders are often more flexible — financing owner-builders who plan to manage their own subcontractors, provided you can document a realistic budget, timeline, and construction plan.
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Key Benefits
Programs that allow you to act as your own general contractor
Draws released against documented progress, not a GC invoice alone
Flexibility for borrowers with relevant building or trade experience
Can be paired with land purchase or construction-to-permanent structure
Guidance on the documentation lenders expect from owner-builders
Who This Is For
Borrowers with construction, trade, or project-management experience
Landowners who plan to subcontract the build themselves
Buyers turned down elsewhere because a program required a licensed GC
Owner-Builder Loans — Frequently Asked Questions
Many conventional and direct lenders won't allow it, but portfolio and specialty lenders regularly finance owner-builders who can document a construction plan, budget, and timeline — sometimes with added draw inspections for peace of mind.
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