Can I get a loan on a barndominium?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Sometimes. Barndominiums can be financed when they're permanently built, appraise as residential, and have comparable sales nearby. The challenge is often a lack of comps and their non-traditional construction.
Construction and portfolio lenders are the usual path. We'll review the property and local comps to see whether financing lines up.
Yes, with the right lender
Yes, you can finance a barndominium, a barn-style building converted into a home. Because they are unique, they need a lender comfortable with non-traditional properties and a supportive appraisal.
The property must be a legal residence that meets local building codes.
What matters most
Lenders want comparable sales to support the value and a home that functions as a true residence with proper systems. Rural barndominiums may even qualify for USDA financing.
We work with lenders open to unique homes. Apply now and we will find your barndominium loan.