100% Construction Loans and Mortgages

The American dream of owning a home is  firmly established in our culture and history.  Yet realizing this dream is out of reach for millions of hard-working American families. With 100% construction loans, qualified borrowers can build their dream house and move in with practically no out-of-pocket cost!

Build Your Own Home! 100% construction loans for materials, labor and land. We provide qualified clients with the construction financing and support they need to build their new home in most states.

Borrow 100% of construction construction cost, including the cost to purchase the lot land, to build your new home. We offer qualified clients  the financing and support they need to build their new home. Your housing budget includes allowances for all of the labor and materials needed to complete your new home.   

100% of the following can be included in these type of loans: Land Cost, Permits, Impact Fees, School Fees, Grading, Well or City Water, Septic or Sewer, Financing Costs, Sub-contractor Labor and Additional Material Allowances.

The 100% construction mortgage loans can also often be done as one-time close loan programs to finance the construction and permanent loans. This means that you only sign one set of loan documents and do not have to worry about re-qualifying, re-appraisals, additional closing costs or completing additional loan documents. However, you may use any other lender you choose who offers owner-builder construction financing and is prepared to work with us.

If you have tried to obtain construction loans from a bank, you probably found it to be very difficult. Most banks that offer construction loans require up to 20% down payment!

It is also virtually impossible to get 100% construction loans from bank without the involvement of a seasoned general contractor.

The first step is to determine the amount you qualify for. Then you will have a budget for materials, labor and land. Once you have been pre-qualified you can begin your search for land and select a home plan which is within your budget.

You have the option to participation in the building process this will allow you to eliminate and reduce some of the costs of building a new home.

The more you are able to do, the greater your savings and potential equity can be!

We don't expect you to build your home alone. We provide construction support that helps you to oversee the building of your new home.

Our time-tested plan, together with our knowledgeable customer support team, enables anyone to succeed. You don't need to be an experienced do-it-yourselfer.

We'll provide you with all the support and information you need. And here's the best part: your active participation may save you tens of thousands of dollars!

Managing the construction of a home can be a confusing and stressful experience. This is why many people often choose to purchase an existing house or pay thousands of dollars for a professional's guidance and experience to build their new home.

If you are willing to work hard, like thousands of other owner builders, you can manage the construction of your own home and save the fee you would pay to a General Contractor.

The ultimate goal for you as an OWNER/BUILDER is to develop what we refer to as SWEAT-EQUITY.

Benefits of Owner-Builder 100% Construction Loans:

• No down payment construction loans
• Land purchase funds (included in the construction loans)
• A complete 'one-stop shopping' materials package filled with brand name products(and their warranties)
• Cash Allowances built into the construction loans to hire subcontractors to build your new home