Flexible Financing for Your Dream Cabin
Multiple financing solutions to make your custom cabin project affordable and achievable
Building Your Cabin Should Be Within Reach
We understand that building a custom cabin is a significant investment. While we’re not a bank or financial institution, we’ve established strong relationships with trusted lenders who can help make your dream cabin affordable. We’re here to guide you through the financing process and connect you with the right resources to fund your project.
Trusted Lending Partners
We can connect you with reputable financial institutions that understand custom cabin projects
Regional Banks
We can connect you with local and regional banks offering competitive construction loan rates.
Credit Unions
Member-focused lending institutions with flexible terms and personalized service for qualified borrowers.
National Lenders
Access to national lending institutions with diverse loan products and competitive rates.
Specialty Lenders
Construction-focused lenders who understand the unique needs of custom building projects.
How We Help With Financing
We guide you through the process and connect you with the right lenders
Initial Consultation
Meet with our team to discuss your project scope, budget, and timeline for your custom cabin.
Review Options
We’ll help you understand available financing options and connect you with appropriate lenders.
Lender Introduction
We’ll introduce you to our trusted lending partners who can provide pre-qualification and rate quotes.
Application Support
We’ll provide documentation and project details to support your loan application with the lender.
Coordinate Closing
Once approved, we’ll coordinate with your lender to align financing with your construction timeline.
Construction Begins
With financing secured, we break ground and begin building your dream cabin!
Frequently Asked Questions
Common questions about financing your cabin project
What credit score do I need to qualify for financing?
Most lenders require a minimum credit score of 620-640 for construction loans, though better rates are typically available for scores above 700. Requirements vary by lender and loan type. We can connect you with multiple lenders to help you find suitable financing options for your credit profile.
How much down payment is typically required?
Down payment requirements vary by loan type. Construction loans typically require 20-25% down, though some programs offer lower down payment options. If you own the land outright, its appraised value may count toward your down payment requirement. Home equity loans and HELOCs generally don’t require additional down payments.
Can I get financing if I don’t own the land yet?
Yes! We can help you connect with lenders who offer land loans, which can often be rolled into your construction financing. Some lenders offer combined land and construction loans that simplify the process. We’ll guide you through the best approach for acquiring land and building your cabin.
How long does the approval process take?
Pre-qualification can often be completed within 24-48 hours. Full loan approval typically takes 30-45 days, depending on the lender and complexity of your application. We recommend starting the financing process early in your planning phase to ensure everything is ready when you’re prepared to break ground.
What documentation will I need to provide?
Typical documentation includes: proof of income (pay stubs, tax returns), bank statements, credit report authorization, property information, construction plans and budget, and proof of insurance. Self-employed applicants may need additional documentation. We’ll provide you with a complete checklist based on your chosen financing option.
Are there any tax benefits to financing a cabin?
If your cabin qualifies as a second home, mortgage interest may be tax-deductible. Home equity loan interest may also be deductible if the funds are used for construction. However, tax laws are complex and change frequently. We strongly recommend consulting with a qualified tax professional to understand the specific tax implications of your financing choice.
Ready to Explore Financing Resources?
Let’s discuss your project and connect you with the right lending partners