Own the barn now,
pay as it goes up
You should not have to write one enormous check to get a barn. Finance the whole build, or simply pay in milestone draws as we go. Either way you are never paying ahead of the work.
Finance it, or pay as it is built
Most owners do one of three things. They finance the build through Hearth and make a fixed monthly payment, finance through their choice institution or they pay our standard milestone draw schedule, starting with 20% down. Some do a bit of both.
Finance with Hearth
Prequalify online in about two minutes, compare offers from a lender network, and take the barn home on a fixed monthly payment.
Apply with Hearth →Use your own lender
Plenty of owners finance through their choice institution, their own bank or credit union. We will give them whatever paperwork they need on the build.
Pay by milestone
20% deposit at signing, then draws tied to material delivery, concrete, framing and completion. You pay as your barn actually goes up.
What Hearth financing gets you
No hard credit pull
Prequalify and see personalized monthly payment options in under two minutes. Checking will not affect your credit score.
Competitive fixed rates
Hearth works with a network of top lenders, so you are comparing real offers instead of taking the first one.
Fixed monthly payments
Know exactly what you owe each month, with zero prepayment penalties if you decide to pay it off early.
Sized for building projects
Financing built for a real construction project, not a maxed out credit card or a second mortgage.
Financing is provided by Hearth and its lending partners. Rates, terms and approval are set by the lender, not by Woodys. Prequalifying does not affect your credit score.
The milestone draw schedule
Rather than one lump sum, your balance is split into draws tied to real progress on your site.
- 01Deposit20% at contract signingLocks in your build slot and puts your materials on order.
- 02DeliveryDraw at material deliveryPaid when your barn materials land on your site.
- 03ConcreteDraw at concretePaid when the slab is poured.
- 04FramingDraw at framingPaid as the structure goes vertical.
- 05CompletionFinal draw at completionPaid when it is finished, inspected and yours.
Know the real number first
Financing works best when you are financing an accurate number. Every barn is custom designed and built on your property, so get the quote first, then decide how to pay for it. Ours is free and written to your exact plans.
Start with the number
Get your free quote, then pick how you want to pay.