From the first budget sketch to the final walkthrough, these articles cover the decisions owner builders face every week, written to save you time, money and a few sleepless nights.
Browse the full library of owner builder articles, from early planning and financing to framing, finishes and the details that keep a build on schedule.
These are the original step by step guides owner builders have leaned on for years. They are grouped by build phase so you can find the planning, site, scheduling or structural answer you need without digging.
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An owner builder acts as their own general contractor. You handle the budget, hire and schedule subcontractors, order materials, arrange inspections and keep the project moving, which can save money if you stay organized.
Start with written quotes for each trade and material package, add land, permits, utility connections and loan costs, then hold a contingency of around ten percent for surprises. Track actual spending against each line as you go.
Ask your lender, building inspector, supplier counter staff and recent owner builders for names. Collect at least three bids per trade, confirm licenses and insurance, and visit a current job site before you sign.
Most people do unless they can pay cash. A construction loan releases money in draws as work is completed, then typically converts to or is replaced by a permanent mortgage once the home is finished.
