An owner-builder is an individual who desires to act as their own General Contractor/
Project Manager in the building of their own home.
No, you will act as the Project Manager. You will save thousands of dollars while over seeing your
own project. You never have to hammer a nail if you don't want to. However, you are free to, do as much
of the work as you want.
Yes. Most of our customers have never built before. We will be there every step of the way to make sure
that your project is a success. We do, however, qualify you on your motivation and desire to be an
owner-builder. Not everyone will qualify. Please discuss this with your consultant.
Acting as your own project manager will take some time and dedication. It may take a six-to twelve-
month commitment. You are not required to be on the job site everyday, but you will need to check
on the sub-contractors throughout the week. Most people do this on their way home from work and
on the weekends. There are very few more profitable part time jobs out there.
No, you can use any home plan you wish. We have provided a list of plans but you may choose any
plan, from any source. This is your chance to build the exact home of your dreams. Don't allow yourself
to be limited.
No, you can build on any buildable land that your locality will allow. You must be sure that you can
build on the lot you choose. The best place to start for answers to questions about your lot is your
local building department.
No, you can use any contractors that you wish, and you can do some or all of the work yourself. We
provide you with standardized bid forms for you to give out to your potential subs. This will help ensure
that you are getting "apples to apples" comparisons.
Yes, you can. The more work you do, the more you will save.
Yes. You can build a stick, concrete, panelized, SIP, modular or log home.
No. You will take on the responsibilities of the G.C.
Your credit score needs to be at least 620.
We charge you a consulting fee that is included in the loan
No. We have waived all upfront application and processing fees so we can prove our commitment to
you. We will not ask for any consulting fees until your construction loan is closed and funded.
No, it's not simple, but it is very do-able. "Easy" is paying 20-30% too much for a home that is already
built or hiring a General Contractor.
Yes. You can build the exact house you want on the exact lot -- all for considerably less money than
buying the same level and quality of home from a builder or on the open market. And, most likely, you
will be able to qualify for "more" house with our program since our lenders believe in the owner-
builder concept and the resulting equity that your efforts will produce.
You can bank on it.
Yes, you could save 15-30% on your home just by acting as the project manager. That could translate
into tens of thousands of dollars. Can you think of many better investments that this?