Owner Builder Loans, LLC is in the Business of Helping People


Hello, dear reader, and welcome back to our blog. After skimming through the previous blog posts that we have uploaded dealing with our owner builder loan investment program, we realized that we had never made a post that talked about us as a company. We feel it is important that all of our investors have a certain, base-level of knowledge when it comes to the company that they are entrusting their money to which is why, in today’s post, we are going to talk about who we are, what we do, and why we do what we do. We hope that by the end of this post you have a better idea of what our company is about and that you feel confident making an investment with us. Keep reading below to learn more.

Humble Beginnings


Owner Builder Loans, LLC has, in essence, been in business for over 65 years. The company’s concept first originated when the Fred L. Arnold’s (our CEO) father was approached by a neighbor who was looking for some financing assistance in relation to a home building project. After the initial capital was given and the home construction project was complete, the neighbor told another friend who was building their own home about the assistance that Mr. Arnold had provided. This scenario kept repeating itself and, eventually, Mr. Arnold decided to turn these opportunities into a small business. Fred L. Arnold quickly joined his father and after a few more years had passed, Fred’s son came onto the team. Since the company’s inception, we have serviced and funded thousands of owner builder construction loans and, through years of experience, have developed a loan program that is second to none.

How Our Loan Process Works


Drawing upon 35 years of experience in the industry, we have developed strict lending policies that are designed to protect our company and our investors. Before closing any of our loans, we make sure that the applicant meets or exceeds a litany of qualification requirements including a credit assessment, calculations of their debt to income ratio, and confirming their projects loan to value ratio. After all of this has been checked, the applicant is then required to have a down payment or equity investment equal to 25 percent of the amount they are trying to borrow prior to the disbursement of any funds from the loan. Lastly, we thoroughly analyze their blueprints and construction plan to make sure that the amount they are asking for is enough to cover the entirety of the project. After all of this is completed, we then close the construction loan in the name of our company, not the name of our investors. The loan is then disbursed in incremental construction draws, of which we collect interest payments on. Once the construction of the home has been completed, the owner builder pays back the construction loan by obtaining a conventional mortgage on their new home. By adhering to this process, we have never had a person default on their loan.

How You Can Become an Investor


If you are interested in becoming one of our investors, you must meet one of the following requirements. You must have a net worth, either personally or jointly, of $1,000,000 after excluding the value of your primary residence. If you cannot meet the net worth requirement and you are investing individually, you need only have had an income in excess of $200,000 in each of the two most recent years. If you are investing jointly, you must have had an income in excess of $300,000 dollars in the two most recent years to be eligible. By requiring this of our investors, we can further make sure that our loan program is as solid as possible with as little risk placed on those providing the loans and those receiving the loans.


If you would like to learn more about our owner builder loan program, please do not hesitate to get in touch with us by giving us a call or reaching out to us through our website. With years of experience under our belts, we can help you make an investment that is both low in risk and high on rate of return.