Question 1

Can I act as my own general contractor in Weed?

Accepted Answer

Most lenders won't allow owner-builder arrangements on construction loans. You'll need a licensed GC with verifiable completed projects.

Question 2

How long does a construction loan term last?

Accepted Answer

Build periods typically run 9 to 12 months. Extensions are possible but usually cost extra in fees.

Question 3

Do I make payments during construction?

Accepted Answer

Yes — but only on funds drawn so far. Payments are interest-only during the build phase, keeping costs lower while you build.

Question 4

Is rural land in Siskiyou County eligible for construction loans?

Accepted Answer

Yes, but the parcel needs a clear title and usable access. Lenders also require a completed perc test if septic is needed.

Question 5

What happens if construction goes over budget?

Accepted Answer

Cost overruns come out of your pocket. Lenders won't increase the loan mid-build, so your initial budget needs contingency built in.

Construction Loans in Weed, CA — Build From the Ground Up