Barndominium Financing


Are you interested in building a custom barndominium home using post frame, steel frame, or post and beam construction? Whether it’s a ranch home, cabin retreat or home+shop combination, First Federal has you covered with nationwide barndominium financing! You can design an original floor plan with your choice of finished living space and unfinished shop/garage space.

First Federal Benefits

  • Financing for both the construction period as well as the permanent mortgage following construction
  • National lending footprint to fund your barndo build in all 48 continental states
  • Post and Steel Frame Construction Lending Specialist on staff to assist you from the design stage through securing a competitive fixed-rate mortgage loan

Home without a Garage (Cabin)

Barndominium home with no garage

Home with Garage

Barndominium home with garage

Home with Large Shop/Garage

Barndominium Home with Large Shop-Garage

Post and Beam (Timber Frame)

Post and Beam (Timber Frame) Barndominium

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Explore our barndo construction and mortgage financing solution

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Preparing for the barndominium process

Exploring a barndo build? Check out the FAQs below for advice from our lending specialist, Dave Navrat. Watch our Barndominium FAQ videos for even more answers!

  • Weight-bearing posts are located on the exterior, providing an open concept, customizable indoor living space
  • Higher wind resistance than traditional stick-built homes
  • Low maintenance exterior materials
  • Ability to renovate or add square footage in the future
  • Flow from living area to workshop without exposure to weather

It's preferred to have the following land and build information in hand before the initial conversation with our lending officer.


  • The date you acquired the land
  • The amount you paid for the land, if any
  • Your estimated market value of the land
  • Your current loan balance, if any
  • The number of acres


  • Square feet of finished living area, by level (main floor, 2nd floor, basement)
  • Square feet of unfished area (garage/shop)
  • Square feet of covered porch and/or portico

Typically, borrowers use:

  • Cash
  • Equity in the property upon which you plan to build your new home
  • Equity in your current home

First Federal Bank offers these unique permissions to borrowers:

  • Borrower can serve as the General Contractor, except in the state of Texas.
    • The General Contractor manages the entire build process and is responsible for all aspects of the build, including adherence to all laws and regulations
  • Borrower may live on the property while building.
  • All work must be performed by professionals who do the work for a living, except for finish work.
    • Finish work generally means any work taking place after placing interior walls, like painting, laying floor tile, installing trim work or hanging cabinets and fixtures.
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Stephanie Caffee
Stephanie Caffee

Construction Loan Assistant


NMLS #1510989

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Dave Navrat
Dave Navrat

Construction Loan Officer – Barndominiums


NMLS #1803366


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