Welcome to American Barndominiums Financing

Barndominium loans can be hard to find – we make it easy

Many lenders don’t offer barndominium financing or require difficult terms. We work with the best barndominium loan specialists to get you the right financing.

Barndominium financing

Why is Financing Different for Barndominiums?

Many lenders aren’t as familiar with barndominiums as traditional home construction. While barndominiums are rapidly growing in popularity, there are still relatively few of them compared to traditional homes, which makes finding good comparable homes for appraisals more difficult.

Traditional lenders may view barndominiums as high risk because barndominiums have:


Unconventional design

Lenders can’t use standardized building costs and familiar housing data to budget for the unique layouts and features of steel barndominiums and pole-barn construction

Appraisal difficulties

With few comparable barndominium sales, appraisers struggle to establish accurate property values

Zoning and permit differences

Permits for a non-standard residential structure can take extra time which lengthens the lending process

barndominium lenders

We Work With The Best Barndominiums-Specific Lenders

Traditional lenders may require higher credit scores, higher interest rates, and larger down payments to offset the perceived risk of barndos.

But, barndominiums don’t have to be risky investments if you have the right expertise. We have the experience to help you build a budget, accurately appraise your barndo project, and provide loan terms that fit your budget.


Our Services Extend Beyond Financing

American Barndominiums provides the full-service support you need to secure financing and build your dream barndominium

Detailed Construction Plans

Comprehensive plans with technical specifications for HVAC, plumbing, electrical, and more provide confidence to lenders

Specialized Appraisers

Experienced opinions on the market specifics of barndominium assessments and valuations ensure your property is not undervalued

Zoning Expertise

Understanding the details of relevant ordinances, codes, and requirements is crucial to getting your project approved and financed

Financing New Construction Can Be Simple And Affordable

A one-time close loan covers both the construction and permanent financing for your barndominium. One loan with one application and one set of closing costs. You can make interest-only payments during construction and then convert the loan to a traditional mortgage after construction. The simplicity of this loan makes it very popular for new barndominium construction.

Choosing the Right Loan Matters

You may be eligible for specific types of financing that can provide more competitive rates:

FHA Loans

Designed to help low-to-moderate income families, government-backed FHA loans help homebuyers with lower credit scores and less cash for a down payment.

USDA Loans

For those building in certain rural areas, USDA loans can offer competitive interest rates with no down payment requirement.

VA Loans

Eligible veterans and their spouses can find competitive interest rates with no down payment requirement.

Conventional Loans

 If you have good credit, a steady income, and can make a larger down payment, private loans can be a good option.

With American Barndominiums, all of these loan types could be available as one-close construction loans.

Happy Clients with Barndominiums Financing

As a first-time homebuyer, the process of financing can be daunting. However, American Barndominiums made it seamless with their expertise in FHA Loans. Their team walked me through every step, providing detailed construction plans that reassured both me and the lenders. I’m now the proud owner of a beautiful barndominium, thanks to their comprehensive services and support.

Emily Thompson

I opted for a conventional loan for my barndominium project, and I couldn’t be happier with the support from American Barndominiums. Their comprehensive plans and expertise in zoning and appraisal made the financing process smooth. Their dedication to going beyond just financing helped me build my dream home with ease.

Alex Rivera

Living in a rural area, I thought building a barndominium would be complicated, but American Barndominiums proved me wrong. They specialize in USDA Loans, which was perfect for my situation. Their zoning expertise and specialized appraisers made the financing process straightforward, and now I have the perfect home for my family.

Marcus Johnson

American Barndominiums’ claim of full-service support is 100% true. From securing a conventional loan to navigating the construction and appraisal process, their team was there every step of the way. Their detailed plans and zoning knowledge were crucial in getting my project off the ground. I’m deeply grateful for their dedication.

Natalie Kim

As a veteran, I wanted to utilize a VA Loan for my barndominium. American Barndominiums’ team was incredibly knowledgeable about the VA Loan process. They provided detailed construction plans and had specialized appraisers who understood the unique value of barndominiums, ensuring I got the best deal possible. Their full-service support was invaluable.

Jessica Walters

The team at American Barndominiums is phenomenal. Not only did they help me secure a USDA Loan, but their full-service approach covered everything from construction plans to dealing with zoning. Their specialized appraisers and comprehensive support were key to the success of my barndominium project. They truly go beyond financing.

Derek Smith

Tested and tried for over 20 years

With the Right Financing, Your Dream Barndominium Can Become a Reality

Barndominium financing provides significant benefits for new and existing homeowners.

  • Leverage: With a small down payment (or in some cases no down payment), financing can help you afford a larger asset
  • Tax benefits: Deduct your interest payments to save at tax time
  • Equity and diversification: Building equity in a home through financing can diversity your financial portfolio
  • Stability and predictability: Fixed-rate mortgages can provide stable monthly housing costs and hedge against inflation
  • Credit building: On-time mortgage payments can improve your credit score
  • Long-term appreciation:  Financing enables you to make a long-term investment that should appreciate over time, leading to a higher net worth

Let us find the best financing for your barndominium