Financing
Making Your Build Affordable
Financing a barndominium doesn't have to be complicated. We've partnered with a trusted construction loan specialist to make the process as smooth as the build itself.
Why Financing Is Easier with Us
Most lenders aren't familiar with barndominium construction. That's why many builders leave you to figure financing out on your own. We do it differently.
Builder-Ready Packages
Our detailed plans, specs, and fixed-price contracts give lenders exactly what they need to approve your loan — fast.
Licensed & Insured
We're a fully licensed general contractor with comprehensive insurance, meeting every requirement lenders look for.
Draw Schedule Built In
We work with your lender's draw schedule from day one, so funds release on time and your build stays on track.
Lender Relationships
We've built relationships with lenders who understand barndominium construction — no educating your bank from scratch.
From Floor Plan to Funded
Four steps to financing your barndominium with confidence.
Choose Your Series
Pick a floor plan from our Signature, Elite, Casita, or Custom series. We'll provide detailed specs and a fixed-price proposal.
Connect with Joe
Our lending partner Joe Montgomery will walk you through your options — construction-to-permanent loans, VA, FHA, USDA, conventional, and more.
Get Pre-Approved
Joe works with you to get pre-approved so you know exactly what you can build. Our builder packages make underwriting smooth.
Break Ground
Once approved, we coordinate directly with your lender on draw schedules and inspections. You focus on watching your home come to life.
Our Lending Partner
Meet Joe Montgomery
We've partnered with one of the best construction loan specialists in the business so you get expert guidance from start to close.
Joe Montgomery
Mortgage Banker
NMLS# 406818
With more than 20 years of lending experience, Joe is a Construction Loan Specialist and Veteran Lending Specialist who takes a client-first approach to every deal. No cookie-cutter solutions — Joe builds a customized mortgage strategy around your situation.
He has a special focus on helping veterans and active-duty military personnel with VA loans, relocations, and strategic refinancing. His clients consistently praise his transparency, responsiveness, and ability to simplify complex deals.
Apply with JoeThe Federal Savings Bank
Joe works through The Federal Savings Bank — a veteran-founded institution known for competitive rates, exceptional service, and deep expertise in construction lending. When you work with Joe, you're backed by a bank that understands what it takes to build from the ground up.
Loan Programs Available
“Joe was prompt, transparent, and very quick to respond to questions or concerns. He kept us up to date with all pertinent information throughout the entire process.”
— Verified Client
Ready to Talk Numbers?
Start with a floor plan, connect with Joe, and get pre-approved — all with Barn House Co. guiding you every step of the way.