Name: LandToKeys
Author: Berkshire-Anderson Construction

Question 1

What is an owner-builder?

Accepted Answer

An owner-builder is a homeowner who acts as their own general contractor during the construction of their home. Instead of hiring a GC (who charges 15-25% overhead), the owner-builder manages subcontractors directly, pulls permits, coordinates inspections, and oversees the entire build. Most states allow owner-builders to pull building permits for their own primary residence.

Question 2

How much money can I save as an owner-builder?

Accepted Answer

Owner-builders typically save $30,000 to $100,000+ compared to hiring a general contractor, depending on the size and complexity of the home. The savings come from eliminating the GC overhead and profit margin (15-25% of construction cost). However, owner-builders need to invest significant time (20-30 hours per week) managing the project.

Question 3

Do I need a contractor license to build my own home?

Accepted Answer

In most states, you do NOT need a contractor license to build your own primary residence. You will need to sign an owner-builder declaration when pulling your building permit, acknowledging that you are responsible for code compliance, workers compensation for any employees, and that certain resale disclosure requirements may apply.

Question 4

Can I get a construction loan as an owner-builder?

Accepted Answer

Yes, but not all lenders offer owner-builder construction loans. Credit unions and portfolio lenders are your best bet. Expect higher requirements: 680-720+ credit score, 20-30% down payment (land equity often counts), detailed construction plans and budget, and sometimes a licensed general contractor as a project consultant.

Question 5

How long does it take to build a house as an owner-builder?

Accepted Answer

Most owner-builder custom homes take 12 to 24 months from breaking ground to certificate of occupancy. The total timeline including land selection, design, permitting, and construction is typically 18-30 months.

Question 6

What are the 8 phases of building a home?

Accepted Answer

LandToKeys breaks the owner-builder process into 8 phases: (1) Land Selection, (2) Feasibility and Due Diligence, (3) Plans and Design, (4) Financing, (5) Contractor Selection, (6) Permitting and Entitlements, (7) Utilities and Infrastructure, (8) Construction Management — from foundation through certificate of occupancy.

Create your account

Build your home.Without the guesswork.

Build your home.
Without the guesswork.