OWNER BUILDER FINANCING

Self Build / Owner Builder Construction Loan

Finance your own home build while acting as your own general contractor.

Looking for a self build construction loan that gives you full control over your project? Normandy offers owner builder financing designed for borrowers who want to manage their own construction, oversee subcontractors, and build on their own timeline.

Pre-Qualify (Consumer Use Only)
Contact Us

No Contractor Required

Flexible Draw Schedules

Fast Pre-Qualification

Loan Amounts up to $5M

For a Rate and Fees quote call

800-390-7536

PRE QUALIFY NOW (Consumer Use Only)

Build Your Own Home With Flexible Financing

Whether you’re exploring a do it yourself (DIY) home construction loan for the first time or you’re experienced with previous building projects and are ready to build your own home, Normandy’s owner builder construction loan is structured around how self-build projects actually work.

With a build your own home loan from Normandy, you stay in control — overseeing subcontractors, managing timelines, and making decisions that directly impact your budget and quality.

Unlike most lenders, we offer a construction loan with no contractor required — no site supervisor, no GC on payroll.

This program is designed for Borrowers who are acting as their own general contractor and/or plan to complete some of the construction themselves on a residential Owner Occupied property (Non-Owner Occupied properties allowed).

Funds are disbursed in draws as milestones are completed, so your owner builder loan financing moves with your project.

Please call for details.

General Guidelines*

  • Loan amounts from $95,000 to $5,000,000
  • Conforming loan amounts up to $832,750.  Maximum 90%** loan to cost or loan to value, whichever is less 
  • Jumbo loan amounts from $832,751 to $5,000,000.  Up to 80%** loan to cost or loan to value, whichever is less
  • Cross collateralization allowed on other properties for maximum or greater loan amounts, and loan to values
  • Properties must be single family and owner occupied
  • Full income documentation required to qualify for 90% on conforming loan amounts and 80% on jumbo loan amounts
  • Land purchase may be included in the construction loan
  • Foreign Nationals are eligible for this program
  • Deal directly with the Loan Officer/Underwriter
  • Pre-qualification typically within 3 to 5 business days, closing typically within 30 days (fast track closings in 14 +/- days available if certain criteria is met, please call for details)
  • Borrower acts as the General Contractor (No site supervisor required)
  • No minimum FICO required for consideration, however a minimum 750 mid FICO score is required to qualify for 90% conforming & 80% jumbo construction loans (subject to underwriting)
  • Flexible draw schedules
  • Up to 80% allowed on 2 to 4 family owner-occupied homes
  • 5+ units, please refer to Commercial Construction 
  • 12 month construction term with term extensions available
  • Interest only payments based on funds advanced

*All rates and terms subject to change without notice
**Specific qualifications are required to qualify, please call for details

Loans Available in the Following States

Owner Occupied

Loans available for owner occupied properties in the following states:

  1. CA
  2. CT
  3. DE
  4. FL
  5. IA
  6. MA
  7. MI
  8. NC
  9. NJ
  10. NY
  11. OR
  12. RI
  13. VA
  14. WA

Non-Owner Occupied

Loans available for non-owner occupied properties only:

  1. AK
  2. AL
  3. CA
  4. CO
  5. CT
  6. DE
  7. FL
  8. GA
  9. HI
  10. IA
  11. ID
  12. IN
  13. KS
  14. KY
  15. MA
  16. MI
  17. MD
  18. ME
  19. MS
  20. MO
  21. MT
  22. NC
  23. NJ
  24. NE
  25. NM
  26. NY
  27. OH
  28. OK
  29. OR
  30. PA
  31. RI
  32. SC
  33. TN
  34. UT
  35. VA
  36. WA
  37. WV
  38. WY

Ready to Build Your Own Home?

Speak with an experienced loan specialist and get pre-qualified for your owner builder construction loan.
Pre-Qualify (Consumer Use Only)
CONTACT US

Frequently Asked Questions

Owner-Builder Construction Loans

What is a self build construction loan?

A self build construction loan — also called an owner builder construction loan — is financing for borrowers who want to act as their own general contractor. Normandy’s program requires no site supervisor and no licensed GC, giving you full control over your build.

Yes. Normandy does not require a minimum FICO score for consideration. However, a 750 mid FICO is required for maximum LTV (90% conforming / 80% jumbo). Borrowers with lower scores may still qualify at reduced loan-to-value ratios.
Yes. Land purchase can be included in your build your own home loan, simplifying everything into a single draw-based construction loan.
No formal experience requirement exists. Normandy evaluates the full picture. Borrowers new to DIY home construction loans are considered — please call for details.
The standard construction term is 12 months, with term extensions available for projects that need additional time.

Start Your Owner Builder Project Today

Get financing designed for borrowers who want to build their own home and manage their own construction process.
Pre-Qualify (Consumer Use Only)
CONTACT US

For a Rate and Fees quote call

800-390-7536

Self Build / Owner Builder Loan

This program is designed for Borrowers who are acting as their own general contractor and/or plan to complete some of the construction themselves on a residential Owner Occupied property (Non-Owner Occupied properties allowed).  Please call for details.

PRE QUALIFY NOW
(Consumer Use Only)

General Guidelines*

  • Loan amounts from $95,000 to $5,000,000
  • Conforming loan amounts up to $832,750.  Maximum 90%** loan to cost or loan to value, whichever is less 
  • Jumbo loan amounts from $832,751 to $5,000,000.  Up to 80%** loan to cost or loan to value, whichever is less
  • Cross collateralization allowed on other properties for maximum or greater loan amounts, and loan to values
  • Properties must be single family and owner occupied
  • Full income documentation required to qualify for 90% on conforming loan amounts and 80% on jumbo loan amounts
  • Land purchase may be included in the construction loan
  • Foreign Nationals are eligible for this program
  • Deal directly with the Loan Officer/Underwriter
  • Pre-qualification typically within 3 to 5 business days, closing typically within 30 days (fast track closings in 14 +/- days available if certain criteria is met, please call for details)
  • Borrower acts as the General Contractor (No site supervisor required)
  • No minimum FICO required for consideration, however a minimum 750 mid FICO score is required to qualify for 90% conforming & 80% jumbo construction loans (subject to underwriting)
  • Flexible draw schedules
  • Up to 80% allowed on 2 to 4 family owner-occupied homes
  • 5+ units, please refer to Commercial Construction 
  • 12 month construction term with term extensions available
  • Interest only payments based on funds advanced

*All rates and terms subject to change without notice
**Specific qualifications are required to qualify, please call for details

Loans available for owner occupied properties in the following states: CA, CT, DE, FL, IA, MA, MI, NC, NJ, NY, OR, RI, VA, WA

Loans available for non-owner occupied properties only: AK, AL, CA, CO, CT, DE, FL, GA, HI, IA, ID, IN, KS, KY, MA, MI, MD, ME, MS, MO, MT, NC, NJ, NE, NM, NY, OH, OK, OR, PA, RI, SC, TN, UT, VA, WA, WV, WY

Draw Request Submitted

Thank you for requesting a draw.  You will receive an email or call confirming your draw request has been received within 1 business day.  If you do not receive confirmation, please contact our office at 800-390-7536.  Please notify us of any changes you wish to make to your request.  

Normandy Corporation

Thank you for scheduling your payment.  You should receive an email confirmation of payment within 1 business day.  If you do not receive a confirmation email within 1 business day, please call our office to confirm at 800-390-7536.