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Log Home Financing    

Log home financing is different than financing a "stick built" home. Unfortunately, not all construction lenders are set up to handle the different requirements involved in financing a log home. Most will try to make your log home project "fit" their loan program, rather than fitting the log home financing program to the unique requirements of your log home project. Email log home financing questions

Log home financing packages offer many advantages and payment options.

  • Fixed or adjustable interest rates
  • Eliminate a second set of closing costs with single close Construction/Perm financing
  • Use the equity in your land as down payment
  • Finance up to 95% of the appraised value (includes your land and the value of the home)
  • Construction periods are available up to one year with your log home financing
  • During construction, payments are interest only and only on the funds disbursed
  • Draw schedules are customized to meet the unique needs of the log home builder. Your dealer wants to be paid when the package is delivered. Our lenders understand the process and will work with the dealer to ensure there are no delays.

Several Log Home Financing options include:

  • One Time Close Single Rate Log Home Financing. "One Step" program which protects you against increasing rates and extended lock fees. Interest only fixed rate during construction and modifies into a permanent loan after construction. Great flexibility and low rates on ARMs.

  • One Time Close Prime Rate Based Log Home Financing. "Two Step" program allows you to borrow up to 95% of your total cost for a Principal Residence and up to 90% on a Vacation Home. Based on the Prime Rate  during the construction period with interest only collected on funds disbursed. Allows a 12 month construction phase. 

  • Lot Loan prior to Log Home Financing. Designed for those who found the perfect lot but are not ready to build. Low down payment loans available.

Read more about Log Home Financing Closing Costs

I have written a newsletter covering construction/perm loans, and a log home financing construction FAQ is available.

I have a list of documentation needed to process your loan.

There is a new page detailing log home financing fees.

I have detailed information on log home financing extended interest rate locks with a float down option. 

I have a page on calculating mortgage log home financing qualification ratios.

I have included detailed Frequently Asked Questions and common misconceptions about the process of building your home with a construction/perm loan.

We offer the ability to qualify and close a  construction loan into several unique programs which accommodate borrowers with non traditional income or asset situations. Please visit my No Docs page.

One of the questions I frequently get from my clients is about finding a qualified and reliable contractor. After a great deal of research, I do recommend Reliable Remodeler. I have personally used their free service and was very pleased with the outcome. Please complete their contractor referral form for up to 4 local pre screened contractors.

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

Log Home Financing   Prequalify for your Log Home Financing 


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Extensive consumer information on construction,remodeling, first time homebuyer,and no documentation mortgages.