For Owner-Builders

Build Your Home.
Keep Full Control.

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SOUND FAMILIAR?

Find the Loan Every Owner-Builder Needs

The right financing structure changes everything. Build on your terms, keep your equity, and close once.

LENDER

Can't Find a Lender That Allows Owner-Builders. Most lenders require a licensed GC. You want to manage your own build. They say no before the conversation starts.

CLOSING

Two Closings. Two Sets of Fees. Double the Risk. Construction loan closes first. Then you refinance into permanent. Two closings, two rates, two chances for the deal to fall apart.

CONTROL

Hiring a GC Means Losing Control of Your Build. You have the vision. A GC has their own subs, their own timeline, and their own margin. You end up managing someone else's process.

READY TO TALK ABOUT YOUR BUILD?

Book a Call. We Review Your Scenario in 24 Hours.

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THE OWNER-BUILDER MODEL

One Loan. One Closing. You Run the Build.

Land or Lot Confirmed

Own land outright or have it under contract. Existing equity in the land counts toward your down payment.

Plans and Budget Submitted

Architectural plans, construction budget, and trade schedule submitted for asset review. No personal financials at this stage.

PE Supervision Arranged

You hire your own licensed and unlicensed trades. A professional engineer oversees key milestones and signs off on the work. You stay in control of the build from start to finish.

Construction Draws Released

Funds released in stages tied to milestones — foundation, framing, mechanicals, drywall, completion. You pay your subs directly from each draw.

Loan Converts to Permanent

Construction phase ends. Loan converts automatically to permanent mortgage. No refinance. No second closing. You move in.

WHY OWNER-BUILDERS CHOOSE US

We Built This Program for People Like You

You Run the Build. We Handle Compliance.

Our licensed PE oversees key milestones and signs off on the work. You hire your own trades and manage the timeline your way.

Land Equity as Down Payment

Own your lot free and clear? That equity can serve as part or all of your down payment. Your asset works before the build starts.

One Close. No Refinance.

Construction and permanent financing in a single closing. Lock your rate before you break ground. No refinance risk at completion.

No Personal Financials Upfront

We don't ask for SSN, tax returns, or income docs at inquiry. Tell us about the build first. The asset leads the conversation.

GET ANSWERS. CLOSE MORE DEALS.

Get the Answers Before You Submit.

Yes. California law allows owner-builders to self-manage their build. We provide the licensed GC the lender requires and assign a PE to oversee key milestones. You hire your own trades and run the build your way.

Lenders require licensed oversight on every construction loan. Our PE oversees your project at key milestones and signs off on the work. You manage your trades and timeline — PE supervision satisfies the lender without taking control away from you.

A single loan that covers both the construction phase and the permanent mortgage. You close once, draw funds as the build progresses, and convert to a standard mortgage at completion. No second closing. No refinance risk.

Not necessarily. If you have land under contract, we can include it in the loan structure. If you already own the land free and clear, that equity can serve as part or all of your down payment.

Funds are released in stages tied to construction milestones — foundation, framing, rough mechanicals, drywall, and completion. Each draw is verified before funds are released. You pay your trades directly from each draw.

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HAVE A LOT OR LAND IN MIND?

Submit Your Build Scenario. We Respond in 24 Hours.

Tell us about the land, your construction budget, and where you are in the planning process. Irakli reviews every submission personally and will call you within one business day if there is a path forward.