Step 1: Quote & contract
Tell us what you need. Our designers put together drawings and an organized, easy-to-read quote, then work through the details with you until the building is yours.
Financing your pole barn or barndominium.
Our partner, HFS Financial, offers personal home-improvement loans for pole barns, garages and more. No home equity needed, and checking your rate is a soft credit check.
Check your rate online.
You’ll apply on HFS Financial’s secure site. It won’t affect your credit score.
Check your rate(opens HFS Financial in a new tab)Rather talk first? Call 302-399-4420.
How the HFS loan works.
- No equityNeeded
No home equity needed
HFS loans are personal loans, so they aren’t secured by your house and you don’t need equity in it.
- SoftCredit check
A soft credit check
Checking your rate and seeing your loan options is a soft credit check, with no impact on your credit score.
- DirectFunds to you
Funds go to you
The loan funds directly to you, the borrower. You pay us on the schedule in your contract.
HFS Financial is an independent lender. Loans are subject to its credit approval, and rates and terms come from HFS, not from Pole Buildings Unlimited.
How financing fits with your quote.
Get your quote
Start with drawings and a free quote, so you know the amount you need before you apply.
Check your rate
Apply with HFS Financial online. A soft credit check shows your options without affecting your score.
Sign and build
Your contract lists the payment draws. The final payment is due after the county’s final inspection.
Financing a barndominium you’ll live in.
A home is usually financed differently from a garage or a barn. Many owners use a construction loan, or a construction-to-permanent loan that turns into a mortgage once the house is finished, from a bank or credit union.
Lenders will ask for the drawings, a signed contract and the budget, and they’ll order an appraisal. Post-frame homes are still new to some appraisers, so it helps to talk with a local lender who has financed one before you settle on a plan. Some buyers ask about VA, FHA or USDA loans; whether one fits depends on the lender and the property.
We provide the drawings and the contract your lender will ask for. For more on the house side, see barndominiums and our guide on living in a pole barn in Delaware or Maryland.
For a business building
HFS loans suit residential projects. For a shop, warehouse or addition, talk with your bank early. They’ll want drawings and a contract, which we provide.
Commercial buildingsThree easy steps.
One team handles the drawings, the permits and the build, and keeps you posted the whole way.
Step 2: Permits
We manage the permits for you, wherever you live. Homes usually take 3 to 5 months to permit, depending on the county. Garages and farm buildings move faster.
Step 3: Construction
Our crews build it and our project managers keep you posted every step of the way. Final payment comes after the county’s final inspection.
Questions about financing.
Still wondering about something? Call us at 302-399-4420.
Can you finance a pole barn?
Yes. Our partner HFS Financial offers personal home-improvement loans for pole barns, garages, shops and other outbuildings. No home equity is needed, and checking your rate is a soft credit check.
Does checking my rate affect my credit?
No. HFS uses a soft credit check to show you your loan options, which does not affect your credit score.
How long can you finance a pole barn?
It depends on the lender, the loan amount and your credit. HFS shows you the terms you qualify for after the soft credit check, so you can compare monthly payments before you commit.
Can I get a mortgage on a barndominium?
Often, yes, when the barndominium is your home. Many owners use a construction loan or a construction-to-permanent loan from a bank or credit union. Talk to a lender early; they’ll ask for the drawings and the contract, which come with your quote.
Can I finance a commercial building?
HFS loans suit residential projects. For a business building, talk with your bank early. They’ll want drawings and a contract, which we provide.
Let’s start building together.
Tell us what you have in mind and we’ll come back with drawings and a free quote.
302-399-4420
- info@pbuincde.com
- Office
- 575 N Dupont Hwy, Dover, DE 19901 (opens Google Maps in a new tab)
- Hours
- Mon to Fri, 8:00 am to 4:30 pm
- We build in
- Delaware and Maryland, plus select projects in Virginia