Tag Archives: Financing

Financing a Shouse, Drawings, and Roofing advice

This week the Pole Barn Guru answers questions about financing a Shouse, a timeline for plans to build a large pole barn, advice for roofing with standing seam steel.

DEAR POLE BARN GURU: We are in the process of selling our home and buying a piece of property to build on. We want to build a pole barn home that is 40×80, half shop, half 2 story home (shouse).

Because we don’t own the property yet, what is the best way to go about financing this project?? Where do you start? How do you find out what types of financing are available? Any advice would be appreciated. HEATHER in DEER PARK

DEAR HEATHER: Reach out to New Century Bank as they specialize in post frame financing nationwide https://www.newcenturybankna.com/lending/post-frame-building-leases-loans

Here are some plan tips – consider these factors:

Direction of access (you don’t want to have to drive around your house to get to garage doors)

‘Curb appeal’ – what will people see as they drive up?

Any views?

North-south alignment – place no or few windows on north wall, lots on south wall
Overhang on south wall to shade windows from mid-day summer sun If your AC bill is far greater than your heating bill, reverse this and omit or minimize north overhangs.

Slope of site

Work from inside out – do not try to fit what you need within a pre-ordained box just because someone said using a “standard” size might be cheaper. Differences in dimensions from “standard” are pennies per square foot, not dollars.

Use the links in this article to assist with determining needed spaces, sizes and how to get expertly crafted floor plans and elevation drawings https://www.hansenpolebuildings.com/2019/10/show-me-your-barndominium-plans-please/

 

DEAR POLE BARN GURU: How do I get drawings quickly for a large pole barn, post frame? JAMES in LITTLE SILVER

DEAR JAMES: Your quickest way will be to call 1(866)200-9657 and speak with a Hansen Pole Buildings’ Designer. As soon as you have settled on a building design and get your building order placed, we can get it into our Drafting Department. Depending upon complexity, backlog of work and how quickly you electronically approve documents, you may be able to have your engineer sealed plans and verifying calculations in hand in seven to 10 days.

 

DEAR POLE BARN GURU: I am building my first pole barn. I plan to sheet the roof so i can do standing seem metal and spray foam the roof. I desire to have a thermal break on the top chord of the truss. I am considering laying R max before i sheet the roof. I have tried to find a foam tape or something I can just apply to the top edge of the truss, instead of using R Max to cover the entire structure. Any suggestions? I have set the Purlins between the trusses. STEVE in SOMERSET

DEAR STEVE: As standing seam roofing must be installed over minimum 5/8″ CDX plywood and 30# felt (or a synthetic underlayment) you will already have created a thermal break across your trusses as great as what is provided at your purlin locations.

 

 

 

Footings, Payments, and Financing

Today the Pole Barn Guru answers reader questions about a requirement for “continuous footings” in South Carolina, lump sim or payments for a building purchase, and finance options.

DEAR POLE BARN GURU: Are continuous footings required for a pole barn in Dorchester County South Carolina. Size is 24 x 32 M KELLY in SUMMERVILLE

DEAR M KELLY: There is no readily apparent structural reason why they would be required. Your pole barn’s foundation design should be clearly spelled out on engineered plans you will be submitting to acquire your permit to build and will most typically be properly pressure preservative columns embedded in ground with some amount of concrete to resist uplift and overturning (as well as settling).

 

About Hansen BuildingsDEAR POLE BARN GURU: Do you have to pay all at once or can you make monthly payments? STEVE in KALAMAZOO

DEAR STEVE: Depending upon your credit worthiness you can make monthly payments. https://www.hansenpolebuildings.com/financing/

 

DEAR POLE BARN GURU: Will banks finance these as homes? MICHELLE in MILL HALL

DEAR MICHELLE: Absolutely they will. You will want to read more here: https://www.hansenpolebuildings.com/2019/07/post-frame-home-construction-financing/

 

 

Six Reasons to Not Invest in a New Hansen Pole Building

No, I did not hit my head, there are some legitimate reasons not to invest in a new Hansen Pole building.

1. Land

For some it is they do not own “the dirt” and in a few cases never will. For those who do not yet own the dirt, or don’t have it picked out, I would encourage you to get the dirt first. Then design your new post frame building to best fit with the needs of your property.

2. Finances

Other people need funding for their projects. Some of these folks have inadequate credit scores to be able to qualify for financing. For the first group, options are available (https://www.hansenpolebuildings.com/financing/). For the second, focus serious efforts on improving your credit score – at times negative reports on credit scores can be cleared up.

 

The top two are fairly general and could be applicable to most any post frame building kit supplier or builder.

Being specific…..

3. You don’t like us.

As much as we would like to believe everyone should be friends, there are some cases where two people just do not click. The Hansen Pole Buildings team endeavors to provide “The Ultimate Post Frame Building Experience™”. To every client, every time. Should you experience unresolvable issues, please contact Eric@HansenPoleBuildings.com immediately. It is a quick and easy fix to reassign you to a different Building Designer.

4. We can’t deliver fast enough.

Every post frame building kit package Hansen Pole Buildings provides is 100% totally custom. It is designed just for you to best meet with your needs as well as satisfy the climactic conditions (wind, snow, seismic) imposed by your Building Officials governing your specific site.

We are also busy.

Our clients understand it is ultimately “All About the Building”. Hansen Pole Buildings does it right. Right, however, always wins in a race against quick and wrong, as the cost in time, effort and money to fix wrong is painful.

5. We cannot provide what you want.

If it is structurally sound and a post frame building, we can provide it. We cannot and will not build your new post frame building for you. We can give you a fair idea of estimated hours for construction, what we feel is fair market value for erection and assist you in finding possible builders whom you may vet. We also will not agree to under-design your building. No matter how much money you think it will “save” you.

6. Our Buildings Are Too Expensive.

As compared to what?

It could be everyone’s prices appear to be out of budget. If this is the case, your Hansen Pole Buildings’ Designer can assist with alternative such as all or partial financing, adjustments of dimensions and/or features to arrive at the best end results.

If we have not provided evidence of our benefits to you being of more value for your investment, then we have not done you the service we mean to provide. If we have not adequately expressed this, please let us know immediately what we have done wrong, so we do not repeat our errors.

I firmly believe Hansen Pole Buildings offers the best possible value for the post frame building investment. We continue to make improvements in our buildings and our systems to provide, “The Ultimate Post Frame Building Experience™”.

The Correct Vapor Barrier, Home Prices, as well as Why I Need an Engineer!

DEAR POLE BARN GURU: Framed a 12x30x8′ room in pole barn. Insulated ceiling & 1-30′ wall w/fiberglass, the outside wall will be spray foam. Do I need the vapor barrier the ceiling and the 1 wall. I will be using plywood on the ceiling and all the walls for a finish. Thank You for your time. JOHN in ELMA

DEAR JOHN: Ceilings should not have vapor barriers, the warm moist air inside your room should be allowed to rise into the dead air space above the room. You should have a vapor barrier on the inside (heated side) of the fiberglass insulated wall. As kraft (paper) faced insulation rarely is properly installed to prevent moisture from entering the wall, a layer of clear visqueen should be applied to the inside of the fiberglass insulated wall.

DEAR POLE BARN GURU: I’m looking into a building for a house. What’s the average cost for a nice building after everything is built and livable in. And is the building efficient to live in. KYLE in GETTYSBURG

DEAR KYLE: This is similar to asking for the average price of a new car – it all depends upon what you want your new home to look like and the finishes you use on the interior.

Custom Designed Gambrel Pole BuildingMy bride and I live in what we feel is a gorgeous post frame home, and we absolutely love it. Your savings will come from foundation expenses (read more here: https://www.hansenpolebuildings.com/2011/10/buildings-why-not-stick-frame-construction/), your ability to do some or all of the work yourself, and the inherent energy efficiency of post frame construction.

DEAR POLE BARN GURU: Need to know if a 6×6 post used in a 30×48 monitor barn with 2 feet of concrete and 1 foot of compacted 5/8 will pass for code. If not sure where can a person get plans ok without costing me $1500 from an engineer. Yakima County building permits won’t help they tell me to go to a engineer this will cost $1500. Thanks MARC in YAKIMA

Building PermitDEAR MARC: Your Building Officials are giving you the correct answer. If they were to tell you to do something structurally, it would place them in a position of liability in the event of a failure. In my humble opinion, every new building (of any sort) should be designed by a Registered Design Professional (RDP – engineer or architect).

What you have MIGHT work depending upon the snow, wind and seismic conditions as well as the height of your building and number, size and location of door and window openings (among other things).

Your best bet – invest in an engineered post frame building kit package from a reputable provider. You will be glad you did.

 

 

 

Floor Limits, Foam Board, and Consider True Costs!

DEAR POLE BARN GURU: If I wanted a pool table in 2nd floor I’d assume we might be pushing the floor limit at 40psf? NEIL in CLEVELAND

DEAR NEIL: As a general rule of thumb, a slate pool table is going to add a dead load of roughly 100 pounds per foot of length. On a 24 foot wide building, this is only four pounds per square foot, so is probably negligible in the global scope of life. We have a pool table on our 48 foot clearspan floor and I can’t say as there is any greater deflection in this area of the floor than any other (although the floor does seem to have a little less ‘bounce’ in the pool table area). One nice thing about prefabricated floor trusses, you can easily increase the depth of the truss (along with the load carrying capacity) for little or no extra cost – it certainly wouldn’t hurt to go to 50 psf live, or to limit the deflection to L/480 or stiffer, rather than the code minimum of L/360.

DEAR POLE BARN GURU: Can I glue foam board insulation directly to the metal sides and then cover with plywood? Thank you TOM in HUNLOCK CREEK

DEAR TOM: This is one of those CAN vs. SHOULD questions. Foam board insulation will glue to the inside of metal siding. In the event you ever need to replace a sheet of wall steel, it will be a pain. Unless you are totally able to seal all seams between panels of foam board, or against framing, there should be a vapor barrier on the inside of the insulation.

Your Building Official may require you to have an inflammable barrier on the inside of the insulation board.

The minimal net system R-value gain from what you propose may not be worth the investment of time and money.

 

 

DEAR POLE BARN GURU: Looking for a 3 sided barn 30’ x 36’ that would be open on the 30′ wall. Might want to add 3 overhead doors eventually but it’s not in our finances at this time. CRAIG in RUSHVILLE

DEAR CRAIG: Your heart is in the right place, however the reality is three sided buildings come at a premium due to the structural considerations. You can find out more about it here: https://www.hansenpolebuildings.com/2014/03/three-sided-building/

Anyone who tries to tell you different does not understand how buildings work from an engineering standpoint and should be avoided as a possible choice.

You CAN get the building you truly want, by financing some or all of it. There is no cost or obligation to apply: https://www.hansenpolebuildings.com/financing/