Owner Builder Construction Loans in Colorado

Build Your Own Home in Colorado, Without a General Contractor

If you’re planning to build your own home in Colorado, most traditional lenders will require a licensed general contractor. We don’t. We specialize in owner builder construction loans in Colorado, allowing you to manage your own build while we provide the financing.

Qualification Questionnaire

What Is an Owner Builder Loan?

An owner builder loan allows you to:
  • Act as your own general contractor
  • Hire subcontractors directly
  • Control your construction timeline
  • Reduce overall building costs
This approach gives you more flexibility and control compared to traditional construction loans.

Why Colorado Owner
Builders Choose Us

  • No General Contractor Required

    You can manage your own project and still qualify.

  • Flexible Construction Financing

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

  • Unlimited Draws

    Access funds as needed without rigid schedules.

  • Use Your Land as Equity

    Owned land may count toward your down payment.

  • Built for Colorado Projects

    We understand:
    • Mountain and rural builds
    • Zoning and permitting challenges
    • Terrain and access issues

Loan Requirements

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

  • Credit Score of 675+

    Minimum score requirement for most scenarios.

  • Debt-to-income ratio around 38%

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

  • 30%–50% Equity (land may count)

    Land equity may count toward the down payment requirement.

  • Clear construction plan and budget

    A realistic project scope and full construction budget matter.

How the Process Works

  • 01

    Submit your questionnaire

    Complete our quick qualification questionnaire.

  • 02

    Project and financial review

    We review your construction plans and financials.

  • 03

    Loan Approval

    Once approved, your construction loan is structured.

  • 04

    Begin construction with draws

    Draw funds as needed and begin your project.

  • 05

    Refinance After Completion

    We help connect you with long-term mortgage options once your home is complete.

Where We Lend
in Colorado

We work with owner builders across Colorado, including:
  • Denver
  • Colorado Springs
  • Fort Collins
  • Boulder and surrounding areas

Is an Owner Builder Loan
Right for You?

This program is ideal if you:
  • Want to manage your own construction project
  • Have access to reliable subcontractors
  • Want to reduce building costs
  • Have been turned down by traditional lenders
Get Started Today

Ready to Build Your Own Home in Colorado?

Complete our short questionnaire to see if you qualify.

Start Your Owner Builder Loan Application

Frequently Asked Questions

Yes, many owner builders do, especially in rural areas.
Not required, but planning and organization matter.
You refinance into a long-term mortgage.