Home

The 2 Mortgage Guys, Ryan Minick & Steve DeLon at Luminate Bank

Home

Build Your Dream Barndominium

Barndominium Loan Programs

Why Most Barndominium Builds Never Get Financed

"We don't finance barndominiums."

Two Closings = Double the Fees

Capture Lower Rates Automatically

Rural Properties Get Auto-Declined

One Application. One Approval. One Loan.

What You Could Save

Built for Barndominium Buyers

Save $3,000–$7,000

Capture Lower Rates Automatically

50 States. Any Zip.

Close in 30 Days

From Blueprint to Keys

Ryan Minick & Steve DeLon

319 Five-Star Reviews. Zero Complaints.

Get your FREE Barndominium Game Plan today!

Application Received!

Common Questions

Contact
Legal

Most lenders won't touch barndominiums — we will, in all 50 states! One loan covers your land and your new build. It's just that easy!

One-Time Close construction-to-permanent loans available in all 50 states. Buy your land and build your barndominium with a single loan.

Eligible veterans and active-duty service members can finance 100% of their barndominium construction with zero down and no payments until completion!

FHA One-Time Close barndominium loans require just 3.5% down. Perfect for first-time and repeat borrowers with less than perfect credit.

Conventional One-Time Close barndominium construction loans with as little as 5% down and flexible terms. Perfect for borrowers with good or excellent credit.

All programs require the barndominium to be a primary residence with the majority of square footage dedicated to living space. Land acquisition can be included in the same loan.

Traditional lenders don't understand post-frame construction. They see metal siding and assume "risk" — leaving you with broken dreams and wasted architectural fees.

Most banks and credit unions treat barndominiums as experimental or agricultural structures. They'll pre-approve you, then deny you at underwriting — wasting months and thousands in site prep costs.

A standard construction loan forces you to close twice — once for construction, again for permanent financing. That means duplicate appraisals, title work, and origination fees.

Your rate automatically adjusts to market conditions at completion — so if rates drop during your build, you automatically capture the savings without refinancing.

Conventional loan systems flag rural addresses and unique property types as "ineligible" before a human ever reviews the file. Your perfect 10-acre barndo site doesn't fit their checkbox.

Our construction-to-permanent program eliminates the gap between building and living. We handle the construction draw schedule, monitor the build, and automatically convert to your permanent mortgage when you get your certificate of occupancy — no second closing, no second credit pull, no surprises.

Every feature of this program was designed to remove the friction that kills most post-frame construction deals.

By rolling construction and permanent financing into a single closing, you eliminate duplicate lender fees, appraisals, title work, and credit reports.

Rural, suburban, or off-grid. We don't auto-decline based on address type.

Our streamlined construction-to-permanent workflow moves fast. Most clients go from application to clear-to-close in as little as 30 days — so you can break ground while the weather holds.

Four simple steps. One dedicated team. Zero handoffs to strangers.

The 2 Mortgage Guys at Luminate Bank

We've funded over 1,200 loans since 2015, and barndominiums are one of our favorite projects to finance. Why? Because we love helping families build something unique on land they actually own — not just buying another subdivision box.

At Luminate Bank, we have access to portfolio and correspondent lending channels that most retail loan officers simply don't. That means we can say "yes" to property types, locations, and scenarios that get auto-declined elsewhere. When you work with us, you work directly with decision-makers — not call-center reps reading from a script.

Homebuyers trust The 2 Mortgage Guys because we treat every loan like it's our own. Here's what real clients say about working with Ryan and Steve.

" "

Tell us about your barndominium project. Ryan or Steve will personally review your file.

Ryan Minick or Steve DeLon will call you within one business day to discuss your barndominium build and next steps.

Something went wrong. Try again

NMLS

The 2 Mortgage Guys | Luminate Bank