Owner Builder Financing
 Construction and Permanent Financing Available!

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Davis Construction Site

Owner builder financing has been traditionally difficult to obtain through normal banking channels, and owner builders have been (and still are) subjected to unfair lending practices, high interest rates, fly by night "owner builder" loan brokers, and foreclosures for not finishing their project on time. These problems occur most frequently with some of the "shell" kits on the market which only include frame components and no professional advice. Many lenders require an expensive "supervising contractor" (with an extensive track record) in order to approve an owner builder loan. Please click on this link for Supervising Contractor signing information and professional loan services.

Your Endeavor Homes Oakdale to Sacramento and Bay-Delta Region Distributors (that would be us!)are different from the rest; many years of helping successful owner builders finish quality projects on budget has allowed us to cultivate lenders who know us and trust our consulting services. We take extra care to help our owner builders avoid running short of money prior to completion, our 30 year track record in the owner builder business speaks for itself.

Call (209) 847.9597 or (530) 459.3910 or email us (endev@att.net) for a free loan pre-qualification. This is informal, confidential, and will give you an idea of how much you can spend on your project. Tell us (cut and paste into an email to us if you can):

1.Your gross monthly income from all sources.
2. Debts that will not be paid off in 8-12 months including mortgages, credit cards, cars, toys, etc.
3. How is your credit? You will need reasonable credit to build.
4. If you own your land is there real equity? Have you done any improvements?
5. Assets, cash on hand, cash coming from house sale or?
6. How much of the work will you do? We do not build the house, you do. If you need to hire out any labor, we need to figure those costs in your loan.

If the math looks good we can send you a federal mortgage application that we can shop to prospective lenders. They will check your credit then contact you directly (for confidentiality reasons). When you have tentative approval, we can start your blueprints!

If you have your own lender  a "Supervising Contractor" signature is available in most cases. Call for details or go to our consulting site:
(209) 847.9597 or (530)459.3910 or email us at endev@att.net
We usually get to our email in the evening as we are on the road many days of the week, we enjoy getting out on our clients' sites, please be patient with our voicemail!

Please be wary of "easy" owner builder loans offered over the internet, many have dangerous strings attached! Avoid the time trap. Avoid the foreclosure trap. Safeguard your financial information!

Click here to Email Endeavor Homes for a no obligation loan pre qualification. If you want us to send you a Federal Mortgage Loan Application, Please include your mailing address or fax number. Please also tell us about any credit problems such as large credit card and vehicle loans and recent bankruptcies. Many problems can be overlooked if you have good equity and income, but honesty will help us to help you build your dream home.