Fred L. Arnold, Founder, OWNER, and CEO

NMLS# 1207986

Compelled by the desire to help Americans in their quest to design and build their own homes, I have underwritten, funded, and serviced thousands of owner-builder loans. With a focus that has always been keenly aimed at helping owner-builders, a polished and streamlined loan program has evolved that is unique across the industry. My specialty has always been funding owner-built homes and will always remain the same, allowing Americans to enjoy the benefits of custom homeownership. After building a reputation for exemplary service and extremely focused attention to detail, I have had the opportunity to expand our industry footprint by extending opportunities to accredited investors.

An Industry Pioneer

In 2011, I partnered with my son, Miles Arnold, to form Owner Builder Loans, LLC. Having witnessed the collapse of the housing market and mortgage industry in 2008, we set out to create a highly dynamic construction finance firm that can thrive in an increasingly regulated industry. Equally as important as adapting to the ever changing regulatory climate, we maintain a precise focus on creating value for our borrowers by removing obstacles in the financing process that are typical with other lenders.

As the Owner and CEO of Owner Builder Loans, LLC (affectionately known as just “OBL”), my main responsibility is to both create and preserve value for our investors. I do this by focusing on risk assessment, underwriting and project viability. I personally review and consult on every loan application.

My extensive experience in business and risk management doesn’t just benefit our investors however, they also benefit our borrowers! A fortunate byproduct of stricter underwriting principles and localized market analyses are higher quality and more successful loans. OBL operates with a zero-tolerance for Loan Defaults and we can proudly say that we have never had a loan default!

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