OWNER-BUILDER LOANS

For professionals with the experience to act as their own general contractor. Control your build, manage your subs, and capture the savings — with financing structured for the way you work.

Discuss Your Project

YOU'RE THE BUILDER.
WE'RE THE LENDER.

Our owner-builder program is built for experienced construction professionals who want to manage the build of their own primary residence. The borrower takes the lead on project oversight, subcontractor coordination, budget control, and execution.

It is a specialized financing option that offers more flexibility and control than most lenders will consider. That is what makes it valuable — and rare. For qualified professionals building their own home, this program creates a path that is simply not available in many places, especially with flexible LTV guidelines.

Credit Score Target680+
Down PaymentAs low as 5%
GC ExperienceProven required
Liability InsuranceRequired
ReservesRequired over 80% LTV
Construction Period12 months
Draw InspectionsRequired at each draw
Discuss Your Project

IS OWNER-BUILDER RIGHT FOR YOU?

When It Fits

  • You have proven residential construction or GC experience
  • You have managed budgets, trades, and schedules before
  • You are building your own primary residence
  • Your project requires direct control over execution and quality
  • Traditional GC options may be limited or not the right fit
  • You want access to a rare financing structure with flexible terms

What to Know Up Front

  • This is a specialty program for experienced borrowers, not casual DIY builds
  • Underwriting looks closely at your project history, plans, and budget discipline
  • Your build cost should be supported by the local custom-home market
  • Draws are tied to progress and inspections, not informal requests
  • Clean documentation upfront helps the file move faster
  • The strongest owner-builder files show organization, experience, and realistic cost control

WHAT WE NEED FROM YOU

Experience Documentation

  • Portfolio of completed projects
  • References from subcontractors
  • AZ ROC license (if applicable)
  • Resume of construction experience
  • Photos of prior builds

Project Documentation

  • Full architectural plans
  • Detailed line-item budget
  • Construction schedule
  • List of subcontractors
  • Material specifications

Insurance & Legal

  • General liability insurance
  • Workers compensation coverage
  • Builder's risk insurance
  • Subcontractor agreements
  • Lien waiver process established

READY TO RUN YOUR OWN BUILD?

Owner-builder financing requires a detailed conversation. Let's talk through your experience, your project, and whether this structure is the right fit.