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Financing Your Dream Building: A Practical Guide to Getting Started
Building your dream pole barn, barndominium, or steel structure should not mean draining your savings or putting your plans on hold. At Graber Custom Structures, we believe quality construction should be accessible, and that includes guiding you through the financing process.
Whether you’re planning a post-frame home, a workshop, a horse barn, or a custom barndominium, here’s what you need to know about your financing options and how to get started.
Why Finance Your Building?
Financing allows you to begin construction sooner and spread the cost of your investment over time. With flexible lending options, you can:
Keep your savings intact for unexpected expenses
Lock in today’s prices before material costs rise
Start building on your schedule without draining your savings
Financing Options Available Through Graber Custom Structures
We’ve partnered with trusted lenders who specialize in post-frame construction and home improvement loans. Here’s a breakdown of your primary options:
#1. - Post Frame Construction Mortgages – New Century Bank
New Century Bank offers tailored loan options specifically designed for post-frame and barndominium-style construction. They understand that your dream home might not fit a traditional mold.
Key features:
Low fixed-rate, conventional mortgages (Fannie Mae rates)
Financing available for primary and second homes
Up to 160 acres financed
Loans for unique construction styles or multi-residence properties
Getting Started:
You can speak directly with a knowledgeable loan officer at (785) 532-9066, or begin your application online at newcenturybankna.com.
#2. - Home Improvement Loans – HFS Financial
HFS specializes in unsecured personal loans, which means no home equity is required. These loans are ideal for accessory buildings or improvements that aren’t tied directly to your home.
Why choose HFS?
100% funding direct-to-consumer
No equity required
No impact on your credit score with pre-qualification
Over 1,500 five-star reviews for customer service
You can check your rates instantly using HFS’s pre-qualification tool:
#3. - Consumer Financing – PowerPay
PowerPay offers another flexible option for financing without high fees. Unlike traditional banks, PowerPay was built to eliminate unnecessary costs, passing the savings onto you.
Highlights:
No hidden banking or origination fees
Competitive interest rates
Designed for large home improvement projects
What’s the Right Choice for You?
Each lender provides distinct advantages depending on your building type and financial situation:
| Project Type | Best Fit Financial Option |
|---|---|
| Primary Residence Barndominium | New Century Bank |
| Detached Garage or Shop | HFS Financial or PowerPay |
| Agricultural Structures | New Century Bank or PowerPay |
| No Home Equity Available | HFS Financial |
| Prefer Lower Fees | PowerPay |
Still not sure? Our team at Graber Custom Structures can help point you in the right direction based on your project goals and location.
Your Building, Your Timeline
When it comes to building your ideal structure, whether a pole barn, workshop, or steel-framed home, you shouldn’t have to wait years to bring it to life. Financing makes it possible now without compromising quality or cutting corners.
Need help deciding? Contact us today and we’ll walk you through the options and help you get connected with a lender that fits your goals.
Ready to Get Started?
Let’s take the first step together. Request an estimate or start your financing application today and get one step closer to the building you’ve been dreaming of.
