Build Your Dream Home
Your Way

We specialize in construction loans
for self-built homes

Banks Say You Need a Contractor

We Say You Don't

No contractor needed. You can build it yourself, without being licensed.
No junk fees - $0 application fee, $0 for draws, $0 for inspections, $0 for credit report.
12-month interest-only construction loan with no pre-payment fee
Loans up to $600,000
It’s okay if construction has already begun.
The equity in your land counts as your down payment. The minimum down payment typically ranges from 30% to 50% of your loan amount.
When construction is done, we can refinance your construction loan with wholesale interest rates.

We promise to be as flexible as possible!

Please Answer Our
2-minute Questionnaire

No SSN or credit pull required

Within 24 hours, you will receive our free analysis of your qualifications, loan features, and costs.

What if I’ve never built before?

It’s OK. With our construction loan, you will act as your own contractor, hiring your favorite subcontractors, and using your own labor.
What if I don’t have cash for a down payment?

Your land equity counts as your down payment. Equity equals the land's value minus any owed amount, plus the money you've already paid toward soft and hard costs. The minimum down payment usually ranges from 30% to 50% of your loan amount, depending on your credit score.
What if I’ve already started building?

We fund mid-build projects all the time. Let’s talk.

Trust in numbers

3,000+
loans funded
Time-tested experience

40+ Years of construction lending experience
Licensed & Trusted

Licensed in AZ, CA, CO, FL, GA, MI, NC, SC, TX
More States Are Pending
Always in touch

Personalized guidance from real humans in the USA

Incredibly Thankful

“We are so incredibly thankful to have found Owner Builder Loans when we needed help financing our new house build. From the beginning they were so helpful, easy to work with, fast at communicating, and overall made the process so smooth. Building a house is a stressful process and to have OBL on our side was such a blessing. I can’t say enough good things about them and how lucky we were to work with them!”

Owner Builder, N.H. & L.H.
Opportunity of a Lifetime

"Owner Builder gave me an opportunity of a lifetime to build the house of my dreams! Everyone was friendly and helpful to work with. From the time I inquired about working with Owner Builder to the day I closed on the loan. The process was smooth! Everything asked for from OBL was reasonable and easy to produce. I would do the process all over again if given the opportunity!"

Owner Builder, N.H. & L.H.
Incredibly Thankful

“We are grateful to Owner Builder Loans for making our dream come true! It was a pleasant experience working with your team, always there, always helpful and caring! Thank you!”

Owner Builder, A.K