26/11/2025
🔥 FINANCING YOUR BARNDOMINIUM NEW UPDATED INFO 🔥
(Read Before You Build!)
(From the guy who was closing Barndo construction loans before it was “cool” 😆)
If you’ve seen my posts over the past few years, then you already know I’ve helped hundreds, if not thousands, of families across the country build their custom homes — barndominiums, modern farmhouses, container builds, off-grid setups, acreage homes… all of it.
And if you’re new here, welcome.
Because this is the post that can save people’s entire project.
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🛑 IMPORTANT 2025 UPDATE (PLEASE READ THIS PART)
When I first started posting about barndominium construction loans,
there were only a handful of us in the entire country actually closing them.
Fast-forward to today…
🔻 Construction is slow
🔻 Mortgage business is slow
🔻 And suddenly everyone claims to be a barndominium and custom home construction expert
Except they’re not. And it’s costing people time, money, and their entire build.
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⚠️ The #1 Problem Right Now: Lenders & Brokers Who Offer Construction Loans, But Don’t Understand Them!
A lot of these companies are GREAT at traditional cookie-cutter mortgages…
…but these are NOT traditional.
A construction loan is NOT plug-and-play.
And when lenders don’t have a lot of experience, and everything in-house, this is what happens:
❌ They outsource the builder approval
❌ They outsource the inspection process
❌ They outsource the draw management
❌ They outsource underwriting
❌ They outsource post-closing construction servicing
That means 5–7 different companies touching your file.
Do you know what happens then?
📌 Delays
📌 Wrong information
📌 Conflicting guidelines
📌 Builders walking away
📌 Borrowers losing deposits
📌 Projects collapsing halfway through the build
I’ve seen people lose tens of thousands of dollars and forclosure because they trusted someone who “thought” they could do a construction loan.
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✔️ How We Built the Safest Custom Home Construction Loan Process in the Country
(This is why builders all over the U.S. send their clients to us.)
Our team handles EVERYTHING under one roof:
✅ Builder approval
✅ Loan underwriting
✅ Closing
✅ Post-closing construction servicing
✅ Draw management
✅ Inspections
✅ OTC VA, FHA, and Conventional construction specialists
✅ The nation’s #1 VA One-Time-Close division (backed by hundreds of closings)
No outsourcing.
No third-party chaos.
No games.
Just professionals who actually understand your project.
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🏗️ Barndominium Financing Basics (Short Version)
1️⃣ You CAN build a barndominium with VA, FHA, or Conventional OTC loans
Yes — 100% financing options for eligible VA borrowers.
Yes — FHA & Conventional allow them too (with the right builder & plans).
2️⃣ Your land equity can cover down payment requirements
But NO — land equity does not reduce your cost to build.
(Labor & materials cost what they cost.)
3️⃣ Your builder MUST be approved by the lender
(But a great builder is not the same as a lender-approved builder)
4️⃣ Your design, plans, and specs must meet lending & appraisal guidelines
Not every metal building qualifies.
Not every floor plan is acceptable.
But we know how to structure it correctly.
5️⃣ Don’t let a lender “learn on you”
If you hear:
• “We don’t do barndos”
• “We’re not sure if this qualifies”
• “Your builder needs to give us XYZ (random impossible documents)”
• “You can build but we can’t fund the land + build together”
Run.
Immediately.
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💬 Here’s the truth:
Barndominiums are absolutely fundable.
Construction loans are absolutely doable.
Off-grid, large acreage, rural — all possible.
You just need a lender who actually understands this world.
And that’s why my posts have gone viral for years — because real information saves real money and prevents real disasters.
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🚀 If you’re building in 2025, drop a comment:
Where are you building, how many acres, and what style of barndo?
I’ll do my best to give you pointers BEFORE you make the mistakes I’ve already seen 10,000 times.
You can also DM, text, call, or email if you want a private review of your goal and a plan for the future.
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🇺🇸 Sal Zagami - NMLS 2055042
VP of Construction Lending
Supreme Lending
502-443-5350
📧 [email protected]
🌐 SLGuerrillaHomeLoans.co
