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Owner Builder Construction Loans in California

Owner builder construction loans are for families planning to be their own builder to save money. Owner builders must have a resume showing their experience in the building of their new home.

Construction to Perm, Owner Builder with License.
If you are a licensed contractor in the home building business such as an electrician, plumber, framer, etc most of our best lenders/banks provide construction to perm loans.

The home that you are building will need to be your primary new home and to qualify as owner builder you must also provide references and trade references.

Construction to Perm, Owner Builder with Supervisor.
If you hire a licensed contractor as your project manager on your new home, this construction to perm construction loan allows you to qualify as owner builder. Our best banks/lenders provide construction to perm loans.

The above loans are available for qualifying as full documentation only. Call for details.

Construction Loan Highlights

Construction Loan Overview

  1. One Time Close/All-in-One Construction to Permanent Loans – 30 year loan term, fixed for the first 5, 7 or 10 years. Allows you to “Lock-In” a single low rate before construction begins.
  2. Finishd Value or “As Completed” Loans – Loan amounts are based on the finished value of the completed project and not on the Project Cost itself. This means significantly less “cash out-of-your-pocket” and more toward covering 100% of your construction costs.
  3. Pre-Start Construction Loans – Loans for projects already under construction or partially complete projects.