Owner Builder Construction Loans in Сalifornia

Build Your Own Home in California, Without a General Contractor

If you want to build your own home in California, traditional lenders will usually say no. We don’t. We specialize in owner builder construction loans, allowing you to act as your own general contractor while we fund your project.

Qualification Questionnaire

What Is an Owner Builder Loan?

An owner builder loan lets you:
  • Manage your own construction project
  • Hire subcontractors directly
  • Control your budget and timeline
  • Build your home without a licensed general contractor
This gives you more flexibility and can significantly reduce overall construction costs.

Why California Owner
Builders Choose Us

  • No General Contractor Required

    You can act as your own builder. We work directly with owner builders across California.

  • Flexible Construction Financing

    • Interest-only payments during construction
    • Only pay on funds you use
    • No prepayment penalties

  • Unlimited Draws

    Access your funds when you need them. No rigid draw schedules or excessive fees.

  • Use Your Land as Equity

    Already own land in California? It may count toward your down payment.

  • Designed for California Projects

    We understand the unique challenges of building in California:
    • Permitting timelines
    • Zoning and local regulations
    • Higher construction costs

Loan Requirements

To qualify for an owner builder loan in California, you typically need:

  • Credit Score of 675+

    Minimum score requirement for most scenarios.

  • Debt-to-income ratio around 38% or lower

    Debt-to-income is reviewed as part of prequalification.

  • 30%–50% equity (land can count)

    Land equity may count toward the down payment requirement.

  • A clear construction plan and budget

    A realistic project scope and full construction budget matter.

How the Process Works

  • 01

    Submit Your Information

    Complete our quick qualification questionnaire.

  • 02

    Project Review

    We review your plans, budget, and timeline.

  • 03

    Loan Approval

    Once approved, we structure your construction loan.

  • 04

    Start Building

    Access funds as needed and begin your build.

  • 05

    Refinance After Completion

    We help you transition into a long-term mortgage once construction is complete.

Where We Lend
in California

We work with owner builders throughout California, including:
  • Los Angeles
  • San Diego
  • Orange County
  • Riverside & San Bernardino
  • Sacramento
  • Bay Area (San Francisco, Oakland, San Jose)

Is an Owner Builder Loan
Right for You?

This program is ideal if you:
  • Want to save money by managing your own build
  • Have construction knowledge or a strong team of subcontractors
  • Want more control over your project
  • Have been turned down by traditional lenders
Get Started Today

Ready to build your own home in California?

Complete our short questionnaire to see if you qualify.

Start Your Owner Builder Loan Application

Frequently Asked Questions

Yes. Many owner builders successfully manage their own projects, provided they follow local regulations and permitting requirements.
Loan amounts depend on your project budget, equity, and qualifications.
Not necessarily, but having a clear plan and qualified subcontractors is important.
You’ll typically refinance into a traditional mortgage.