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Owner/Builder Financing

We DO IT! - Only licensed site supervision is required!

If a borrower is a licensed general contractor, or an individual has building background, Pacifica South will consider this request as long as sweat equity is not used and borrower demonstrates the ability and expertise in home building Single family Residences. Occupancy intent has to be clear, as we will not allow speculative financing on these programs.  Financing for speculative building is provided on a case-by-case.

If a borrower does not have the experience or is not licensed, we will only require licensed site supervision.

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Build your American Dream!
Pacifica South Bancorp Construction Lending allows for Owner/Builder financing

 - Reduced cost to build as owner/builder

 - Borrower doesn’t have to be a contractor/builder

 - Only licensed site supervision is required

 - Broken priority or work in progress is eligible

 - Control and Flexibility in disbursement process

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