Tailored Financing for Hands-On Homeowners

Our Self-Build / Owner-Build Loans are designed for borrowers who take an active role in building their dream homes. Whether you plan to serve as your own general contractor or complete parts of the construction yourself, we offer flexible solutions to help you bring your vision to life. With competitive terms, fast approvals, and personalized service, we support your home-building journey from start to finish.

Why Choose Our Self-Build / Owner-Build Loans?

This program is ideal for homeowners who want more control over their construction projects. You’ll work directly with a loan officer and underwriter, ensuring smooth communication and faster decision-making throughout the process.

Key Benefits:

  • Loan Amounts Up to $5 Million: Whether your project is modest or grand, we offer competitive financing up to $5 million to meet your needs.
  • Up to 90% of the Appraised Value: Finance up to 90% of the appraised value of your completed project, including land purchase and construction costs.
  • Incorporate Land Purchase: If you’re starting from scratch, we can include land acquisition costs within your loan, covering up to 90% of the total project value (land + build).
  • Direct Access to Decision Makers: Deal directly with your loan officer or underwriter, ensuring a personalized experience and faster approvals.
  • Quick Pre-Qualification: Get pre-qualified in as little as 3-5 business days, with typical loan closing in just 21-30 days.
  • Flexible Draw Schedules: Manage your cash flow with flexible draw schedules, tailored to your construction timeline.

Ideal for:

  • Homeowners building 1- to 4-family homes
  • Borrowers who prefer to act as their own general contractor
  • Investors looking for commercial loans for projects involving 4+ units

Loan Features:

  • 12-Month Construction Term: Enjoy peace of mind with a full year to complete construction, with extensions available if needed.
  • Interest-Only Payments: During construction, you’ll make interest-only payments based on the funds advanced, keeping your costs low until the project is complete.
  • Available in Multiple States: We proudly offer loans for properties in Ohio, Indiana, Kentucky, and Florida.

Get Started Today

Take control of your home-building project with a financing partner that understands your needs. Contact us now to get pre-qualified and take the first step toward building your dream home.