Mortgages for Unique Properties Acreage Green Log and Tiny Homes As traditional homes become more common many prospective homeowners are turning to unique properties such as acreage green homes log cabins and tiny homes

However, obtaining financing for a mortgage on these types of properties can be a bit more complicated than conventional mortgages. Mortgage lenders must consider additional factors when evaluating a property, such as, the home’s condition, the current property values, and the area’s zoning laws.


Acreage properties require a special type of mortgage because they are typically located outside of city limits or in rural areas. The lender will need to determine if the land is suitable for building a home and if the buyer has the necessary resources to complete the construction. In addition, the lender will need to take into account the home’s value once it is completed. The loan-to-value ratio will usually be lower than for a regular mortgage, and the down payment requirement may be higher.

Green Homes

Green homes, also known as “green-built” homes, are designed to make energy and water consumption more efficient. As such, loan officers must factor in the cost of energy and water bills when determining the monthly payments a borrower can afford. Additionally, the lender will need to consider the cost of any upgrades that may be needed to improve the greenness of the property.

Log Cabins

The unique construction characteristics of log cabins can make obtaining a mortgage difficult. Many lenders may not even consider issuing a loan on these kinds of properties due to the perceived risks associated with them. It is important for prospective buyers to carefully research the condition of the cabin to ensure they are acquiring a sound structure. Furthermore, it is also important to factor in the cost of maintenance and repairs.

Tiny Homes

Tiny homes have gained popularity in recent years due to their affordability and low environmental impact. However, they tend to come with a unique set of challenges when it comes to financing. Since tiny homes are classified as recreational vehicles, they are often ineligible for traditional mortgages. Prospective buyers will need to look for specialized lenders who offer financing solutions tailored for tiny home. Additionally, buyers should factor in the cost of taxes, insurance, and maintenance to ensure they are able to meet their financial obligations.


When it comes to obtaining financing for unique properties like acreage, green, log cabins, and tiny homes, it is important for prospective buyers to do their due diligence and research both the property and mortgage options. It is also important to take into account the costs of taxes, insurance, maintenance, and upgrades when estimating monthly payments. Working with the right lender can help buyers navigate the process and find the best mortgage solution for their needs.

This article was contributed on Nov 16, 2023