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Freeloghomes.com
Home
OUR HOMES
CABINS
CUSTOM DESIGNS
ABOUT US
CONTACT US
Test Drive A Log Home
USA CLIENTS
GARAGES
MATERIAL KIT & LOG STYLE
LOG HOME PICTURES
LOG HOMES EXPORT & IMPORT
SPECIALS
36 Month Layaway
FINANCING YOUR LOG HOME
More
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  • CUSTOM DESIGNS
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  • CUSTOM DESIGNS
  • ABOUT US
  • CONTACT US
  • Test Drive A Log Home
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  • LOG HOME PICTURES
  • LOG HOMES EXPORT & IMPORT
  • SPECIALS
  • 36 Month Layaway
  • FINANCING YOUR LOG HOME

Financing Your FLH Log Home

Funding Mission

It’s no secret that a log cabin is a substantial financial investment, but it’s also one of the smartest money moves you can make. 

Log homes appreciate in value over time and remaining resilient through the fluctuations of the traditional real estate market. 

 If you are ready to move forward with the design and construction of your Freeloghome and plan to obtain a loan, we’re here to guide you through the unique rules and requirements of the log home financing process. Keep reading for expert advice on securing the home of your dreams. 

Choose the Right Lender

 Having the right team in your corner is essential in every part of the log home building process, including financing. Traditional loan experts are often unfamiliar with the nuances of log home construction, so we recommend selecting a lender with specific experience in log home loans. Talk with local log homeowners and your builder for recommendations, or ask for our list of institutions that understand the aspects of log home financing.  

Get Your Paperwork in Order

 Lenders experienced in log home construction can help streamline the necessary paperwork, but you’ll still need to prepare a comprehensive portfolio to secure a loan. In addition to the standard documents, like pay stubs, bank statements, and T-4s (Canada) or W2s (USA) required for a traditional mortgage, you’ll need to provide documentation relating to your land purchase, a deed & survey, along with an in-progress floor plan, local building permits. An estimation  costs for your FLH log home package and expected construction expenses from your builder. 

Understand the Two-Loan Process

Unlike a traditional home mortgage that typically involves just one loan, you’ll need to obtain two loans when building your FLH  log home. The first loan, a short-term construction loan, will allow you to pay for the building materials and labor construction costs during the build of the home. The second loan is similar to a traditional permanent mortgage, covering the full purchase price of the home itself. 

 Keep in mind that there are two main types of loan options for the short-term construction loan. For either type, you will pay interest only during the life of the loan. A one-time close loan joins your short-term loan with your long-term mortgage, automatically rolling the former into the latter at the end of the term. This joint approach may be the easiest option, as you will only apply for the loan and pay closing costs once, but keep in mind that rates may not be as competitive as the second option. The two-time close loan will require you to have two fully separate loans. To begin construction, you will obtain the short-term construction loan. Once your home is built, you will need to reapply for a long-term mortgage and pay closing costs again. This option may allow you to take advantage of better terms and rates with the flexibility of shopping around, but it can also pose a risk if your personal financial situation changes during the construction process or interest rates increase. 

Establish Payment Term Timelines

  There are a number of moving parts when it comes to constructing your log home. Knowing what to expect, especially in the area of finances can help you feel in control of the process. 

In order to secure your FLH log package, you will first need to put down a deposit.   Be sure to confirm all payment terms in writing with both FLH  Log Homes and your local builder, and verify that your lender will be able to meet the scheduled payout requirements. Again, keep in mind that you will only make interest-only payments during these staged disbursements of your short-term loan, and the full principal amount will be converted to your traditional permanent loan when your home is complete. 

Log Home Financing IN ONTARIO, CANADA

ROCK CAPITAL MORTGAGES

J D LAZER

 Mortgage Broker- M14000067  

Tel: 416-817-0103
Email:  lazarmortgages@gmail.com 

https://lazarmortgages.ca/

Cottage or Vacation Home Mortgage or Construction Loans

Secured Credit Lines / Self Employed Funding / A & B Lending /  Private Lenders 

Institutions Specializing in Log Home Financing IN USA

FEDERAL SAVINGS BANK

FEDERAL SAVINGS BANK

FEDERAL SAVINGS BANK

RACHEL DAVIES , Senior Mortgage Officer

Tel: 801-893-0557

NMLS#278324

 https://www.thefederalsavingsbank.com/bankers/rachel-davies/

 Loans across all 50 states

 FHA, USDA, and VA options with competitive rates  

Orrstown Bank

FEDERAL SAVINGS BANK

FEDERAL SAVINGS BANK

GREG EBERSOLE, Mortgage Originator 

Tel: 717-449-0043 

 NMLS# 649873
Email: gebersole@orrstown.com 

https://www.orrstown.com/greg-ebersole Lending in Maryland & Pennsylvania (Some areas of West Virginia)  

 FREELOGHOMES (FLH) offers this list as an informational resource for our customers. Please note that FLH has no business affiliations with these companies and cannot be held liable for their services or business practices. Additionally, your local bank and/or credit union may also provide viable financing options. 

  • Home
  • OUR HOMES
  • CABINS
  • CUSTOM DESIGNS
  • ABOUT US
  • CONTACT US
  • Test Drive A Log Home
  • USA CLIENTS
  • GARAGES
  • MATERIAL KIT & LOG STYLE
  • LOG HOME PICTURES
  • LOG HOMES EXPORT & IMPORT
  • SPECIALS
  • 36 Month Layaway
  • FINANCING YOUR LOG HOME

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1 866 650 6117

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