Built for owner-builders who want real construction-loan quotes, not a generic mortgage form. Tell us about your project and land once; receive reviewed rates, fees, and draw schedules from up to 14 vetted lenders in a single comparison view.
Most owner-builders don't know which loan product fits their project. These are the four the HomesBuilder platform actually quotes against — answer three questions below the cards to see which one matches.
One loan that finances the build and converts to a standard mortgage after completion. Single closing, single rate, one application. Best when you already own or are closing on the land and plan to live in the home.
A short-term loan (6–18 months) that covers only the build. You refinance into a traditional mortgage after the project is complete. Useful when you want to lock today's construction pricing without committing to a long-term rate yet.
A mortgage that includes the acquisition price plus renovation costs in one loan. Works for major rehabs on existing homes — additions, full-gut renovations, or structural rebuilds. Pairs well with the HomesBuilder roadmap when the project is a remodel.
A construction loan designed for borrowers acting as their own general contractor — looser documentation of the builder relationship, more weight on your construction plan and budget. HomesBuilder's 12-phase roadmap is recognized by most lenders in this category.
Three questions, then we route you to the matching card.
Quotes are useless if the lender won't actually fund your build. Every lender in the HomesBuilder network clears four reviews before a project like yours reaches their desk.
We confirm each lender's NMLS ID, state lending charter, and active status against the NMLS Consumer Access database. Inactive or suspended lenders are removed from the network immediately — and rechecked monthly thereafter.
NMLS Consumer Access · monthly recheckWe review each lender's last 24 months of construction-loan originations: how many they closed, average project size, and draw-disbursement cycle times. Lenders with fewer than 40 closed construction loans in the prior year are tagged "limited" in your comparison.
24-month origination reviewWe track how often each lender approves a self-managing borrower (one acting as their own general contractor). Lenders who decline more than 35% of qualified owner-builder applicants are filtered out of self-build quotes — so the rates you see are ones you'll actually get.
Approval rate by borrower typeEvery project is matched to lenders that actively lend in the county and state where the build is happening. We don't show you a lender who "can lend in 49 states" if they have no closings in yours — owner-builders shouldn't have to chase a loan officer who doesn't know the local inspectors.
County-level coverage mapAll project, income, and credit data encrypted at rest and in transit. HomesBuilder does not sell borrower data to third-party lenders outside the active quote network.
Initial quote generation uses a soft inquiry that does not affect your FICO score. Hard pulls only happen after you accept a specific lender's terms and proceed to application.
Removing your project from the comparison deletes all submitted data within 30 days across every lender in the network — HomesBuilder enforces this on your behalf.
Most construction-to-permanent lenders in the HomesBuilder network look for a 680+ FICO for owner-builder projects, with stronger rates at 740+. Standalone construction and self-build loans typically require 700+. Renovation loans (FHA 203k) can go as low as 580 with 3.5% down. Your comparison results show the credit tier each lender quoted against, so you won't waste time on quotes that wouldn't have cleared underwriting.
Yes. You can run a quote comparison with the land under contract or even before you've identified a parcel — lenders will price the loan as if the build is happening on a comparable site. If you're still land-hunting, the estimate is a planning figure; once you're under contract, the lender re-runs the quote with the actual address, appraisal, and survey.
Approval rates vary dramatically by lender — some won't do it; others specialize in it. HomesBuilder's platform tracks each lender's owner-builder approval rate over the prior 24 months, and routes owner-builder quotes only to lenders whose approval rate is at or above 65% for comparable projects. The Free Build Plan you submit alongside the quote includes a budget, schedule, and contractor plan that lenders use in place of a GC's bid — most owner-builder approvals on the platform cite the Build Plan as a deciding document.
Each lender's quote includes its current lock period (typically 30, 45, 60, or 90 days), the cost to extend the lock, and a float-down option if rates drop before closing. Most construction-to-permanent locks cover through the construction phase — the rate moves to permanent only at conversion. The comparison makes lock terms visible side by side so you're not surprised by a 15-day lock on a 9-month build.
Once you select a lender, the accepted quote flows into your Free Build Plan: the loan amount and draw schedule become the financial backbone of your 12-phase roadmap, contractor matching, and budget tracker. Your in-house project manager (one of 28 on staff) reviews the loan terms against the build plan before you sign — that's how the platform is built to work.
Quotes are the entry — the Free Build Plan is what turns them into a project you can actually execute. Build plan + vetted contractors + loan terms, in one workspace.
No credit pull to view the Build Plan outline. Soft inquiry only when you request live lender quotes. SOC 2 Type II certified.
