Episode 67: Financing a Barndominium with Nicole Schwab & Matt Gray

Barndominiums are a continuously growing trend in home ownership, blending the rustic charm of a barn with the comfort and design flexibility of a traditional home. Originally conceived as “shouses” or “shop-houses,” these were small living areas attached to a large workshop or garage. As they have evolved, they’ve become better known as barndominiums or pole-building houses. 

Nicole Schwab, who specializes in building barndominiums, explains, “Originally, these were started as a single apartment in a shop… They have now kind of turned into almost like custom-built homes.” 

Schwab says that the allure of barndominiums is not only their aesthetic appeal but their versatility. Barndominiums usually offer large multipurpose garages integrated into the living space. “The nice thing about barndominiums is, at the end of the day, they’re a barn. Pole barns are traditionally designed to have all their load-bearing in the exterior shell.” 

This architecture allows for expansive interior layouts free of load-bearing walls. But with their increasing popularity, it’s important to understand the steps to take to finance a barndominium.   

Find the Right Team

Building a barndominium is exciting, but it requires the right professionals by your side. One of the first steps you should take is to find an experienced builder specializing in constructing barndominiums and an experienced financial lender. 

By reaching out to a financial lender, you can get clarity on your budget and the feasibility of your project. Your lender can offer insights into the amount you can borrow, while a builder can ensure your vision comes to life. 

Know Your Numbers

Knowing your financial status, your borrowing limits, and the real cost of each stage of the build is important. Before you can begin construction, there are a few preliminary projects that will incur costs. This might include the installation of a driveway, electricity, or septic system. 

You’ll also want to consider the two sides to every mortgage loan: the credit side and the property side. On the credit side, ask your lender to analyze your income, reserves, assets, and overall creditworthiness to determine your financial capacity. On the property side, know your land size, equity, and the property appraisal. These factors impact the type of loan you can secure and the terms attached to it.

Understand the Land Requirements

It’s also crucial to ensure the land you are considering is suitable for construction. With varying zoning regulations across different townships, find out who oversees zoning regulations in your area to determine if the land can accommodate a barndominium. 

Start the Loan Application Process

To start the loan application process, you will need to gather some essential documents, including tax return statements from the past two years, proof of income from recent pay stubs, and bank statements. This information is key in laying the groundwork for your loan approval and having these financial documents in order will help streamline the process. 

Clarify Your Motivations for Building a Barndominium

As a gut check, understand your motivations before starting your barndominium project. Contrary to what some might think, building a barndominium can cost as much as constructing a traditional home. Ask yourself some key questions: What draws you to the style? Do your lifestyle and space needs align with a barndominium? How much value do you place on the potential low maintenance of a barndominium? How flexible are you with the design and layout of your home?

To learn more about financing a barndominium and its unique construction aspects, tune into the full episode! To explore our home loan options, including AgCredit’s specialized pole building home loan, visit our Home Loan page.

Here’s a glance at this episode:

• [00:54] Nicole shares how she got into the construction industry and introduces her business, Schwab Builders. 
• [01:57] Nicole explains the functionality and design of barndominiums and how they differ from traditional homes. 
• [03:53] Nicole shares what attributes make barndominiums popular.
• [04:54] Nicole explains the specific architectural features of barndominiums. 
• [07:24] Nicole highlights the first steps in planning for a barndominium build before construction can begin. 
• [10:39] Nicole shares how barndominiums can be built in stages based on budget. 
• [12:36] Matt explains how financing a barndominium works. 
• [16:54] Matt and Nicole discuss construction loans and how collaboration between lenders and builders is key to helping clients construct their dream homes. 
• [23:30] Nicole identifies the first steps to take when looking to build a barndominium. 
• [26:24] Matt explains what information is needed to start the barndominium loan process. 

 

Resources mentioned in this episode:

• AgCredit Home Loans https://www.agcredit.net/loans/home-loans
• Schwab Builders https://www.schwabbuilders.net/
• Farm Science Review https://fsr.osu.edu/home

 

Connect with Schwab Builders and The Barndo Company on Facebook 

Connect with AgCredit on Facebook, Twitter and Instagram

Share questions and topic ideas with us:

Email podcast@agcredit.net

Transcription

Voiceover (00:08):Welcome to AgCredit Said It. In each episode, our hosts sit down with experts from all parts of the agriculture industry, to bring you insights and must-have information on all things from farming to finances and everything in between.

 

Matt Adams (00:26):Hey, everyone. Welcome back to another episode of AgCredit Said It. I'm Matt Adams. I'll be your host. Today, we are learning about a great topic – barndominiums. We have two special guests here today to help us with that, Matt Gray, mortgage loan originator with AgCredit, and Nicole Schwab with Schwab Builders. Welcome, Matt and Nicole.

 

Nicole Schwab (00:45):Morning.

 

Matt Gray (00:46):Morning.

 

Matt Adams (00:47):Matt, we've had you on here a few times. I don't know how many times you've been on the podcast.

 

Matt Gray (00:53):I've been on a couple of times.

 

Matt Adams (00:54):You're a regular to this, so we're going to jump right over with Nicole for an intro. Nicole, could you tell us a little bit about your business and how you got into constructing buildings?

 

Nicole Schwab (01:05):Well, I'm a nurse by background. I got this idea one day that I wanted to take over my uncle's construction business. He's been in business for 40 years, Schwab Builders from New Bavaria, Ohio. One thing led to another and here we are. Now we also have a trade name called The Barndo Company.

 

Matt Adams (01:25):The Barndo Company. Okay. Quite the career switch. How long have you been doing the construction side?

 

Nicole Schwab (01:35):It's been a couple of years now. Since 2022.

 

Matt Adams (01:37):Gotcha.

 

Matt Adams (01:40):Nicole, I know a lot of listeners out there. We call them a barndominium. There are a lot of different terms for them out there. Can you tell the listeners out there exactly what a barndominium is, and how does that differ from your traditional home?

 

Nicole Schwab (01:57):Well, for me, I feel like a barndominium is kind of what people traditionally called a “shouse” has evolved into. Originally, these things were started like a single small apartment in a shop for a single guy, or whatever, who wanted more shop space and just wanted a small living area. They have now kind of turned into almost like custom-built homes. A lot of it, I feel like there's an attraction because they get a very large space for their garage, which people like to either store their toys in, or camper in, or hosting for family and stuff like that, events or whatever. So that's kind of how it's turned from a “shouse” into a barndominium, I feel like.

 

Matt Adams (02:53):A lot of the ones, I know that our association has been part of and other ones I've seen built, the barndominium concept, it's really come a long way. To look at these, it doesn't look like your traditional Morton Building or pole barn anymore. I mean, these are beautiful-looking places, very aesthetically pleasing and a lot of different options. I think you probably can really tailor it to whatever that customer wants. Plus, the guys get the nice garage space and be able to stay out of the wife's hair for a while, I'm sure.

 

Nicole Schwab (03:31):Yeah. 

 

Matt Adams (03:33):Nicole, in your business, why do you feel the barndominiums are so popular right now? Maybe some more insight into that, because I know it is something that we see, as an association, a lot of requests for. It's a very popular product right now.

 

Nicole Schwab (03:53):The nice thing about the barndominium is, at the end of the day, they're a barn. Pole barns are traditionally designed to have all their load-bearing in the exterior shell so that they can originally store large equipment or livestock or whatever. It is nice in comparison to a traditional home because you don't have all those load-bearing walls in there. So if somebody wants a great big, huge open-

 

Matt Adams (04:21):Very open floor plan.

 

Nicole Schwab (04:23):... great room or whatever, then they have those options, especially if it's a single story. Once your structure is up, those interior walls, you can put wherever you want, really, because none of the interior walls are load-bearing.

 

Matt Adams (04:41):You talked about how they're really just a traditional pole barn as to where you look at it. Are there challenges to building this style of living space versus a traditional house?

 

Nicole Schwab (04:54):We've never built traditional houses, so to really compare those, you know?

 

Nicole Schwab (04:59):But one of the challenges that I get is sometimes when customers have architect designs, or something like that, have a look that they want of more of a traditional home. We try to match that as much as possible with the barndominium, but you're not going to get that really, exactly, some of those fancy features and stuff. Because again, at the end of the day, they are still built like a pole barn. Some are columns in the ground, like a traditional pole barn, or we can attach the columns to concrete. We can put them on a basement or a crawl space. In that instance, you would have a little bit of the traditional, like you have your subfloor. And then in that instance, you wouldn't have the columns, but we do a stud wall. But our trusses, how we set our trusses are still the same as a pole barn.

 

Matt Adams (05:54):I know some of the ones I've been in, even the living space itself, you can have a multi-level second floor or a balcony for an open floor plan. That's one of the great things, Nicole, I'm glad you brought up with your company. This is your guys' specialty. This is your bread and butter. I mean, not being a traditional home builder, this is what you guys really specialize in.

 

Nicole Schwab (06:17):Yeah. Even if it's, a customer has a couple of Pinterest pictures of a couple of different floor plans that they kind of like, a lot of times we just sit down and start drawing it out on graph paper, and then just start plugging the exterior structure into our 3D program. Or again, if somebody has a fancier architectural design that they bring us, we make some changes to where they then become more of a barndominium style home.

 

Matt Adams (06:52):With that 3D imaging, they can probably really get a good look at what the potential finished product is going to look like.

 

Nicole Schwab (07:00):Yep.

 

Matt Adams (07:01):Nicole, a lot of this stuff, when a customer's looking to start this project and they're looking for a site to build, do you guys have any advice on that, or do you help the customer really develop that site and really pick out a good location? Or is it, they come to you with the site and they just say, "We're putting it here"?

 

Nicole Schwab (07:24):We get a little bit of both. We get some customers who are in the super prelim phases of this whole project and just gathering information to see if they can even move forward with us. In that instance, we have a checklist for them, per se. For instance, if they haven't purchased land yet and they're looking for land, one of the first things I tell them is, "While you're looking, make sure that you reach out or find out who your zoning trustee is." Usually in this area, we don't have any issues, but we like to make sure there are no issues with them having a barndominium in that township, per their zoning codes. As a builder, we can do about anything, but we may run across where they may say, "Okay, this has got to be on a foundation since it's residential. It can't be post-in-ground," or something like that.

 

Matt Adams (08:18):I gotcha.

 

Nicole Schwab (08:18):So that's one thing that I always tell them, "Find out who your zoning trustee is, even when you're looking at land, so then you get some of those basic ideas of what you got to work within." And then I usually always tell them, "You need to ..." I send everybody to Matt. Then I tell them, "You need to go start checking into the financial piece of it," because ... Well, as a nurse, I always tell my patients, "You need to know your numbers," right?

 

Matt Adams (08:51):Right.

 

Nicole Schwab (08:51):I used this around the cardiac rehab department. Same thing with this. They need to know their numbers. They need to know if this is even possible. Because there's a lot of work that you have to do before it even gets to touching the structure of this barn. You have to do some prep, put a driveway in, electric, soil samples, septic, all the things. A lot of times people think, "Oh, well, there's no trees. I'm buying a piece of farm ground." Well, a lot of times farm ground sits much lower than the road, which you typically don't pay attention to, but it does. You don't want your house sitting in a hole in comparison to the road, so sometimes that's an extra expense that customers just aren't aware of. So know your numbers. That should be one of the very first things you do is to get a hold of a financial lender and start talking with them. Because otherwise, you could be just going down a road that you find out isn't feasible. 

 

Matt Adams (09:55):Just spinning your wheels.

 

Nicole Schwab (09:57):Yes. 

 

Matt Adams (09:58):One thing, I'll go back to Nicole, I thought you brought up is that these are essentially based off of a pole barn. Your company, Schwab Builders, you're also a Wick Buildings dealer.

 

Nicole Schwab (10:11):Yep.

 

Matt Adams (10:11):So let me ask you this, if I have a member, a customer, that maybe wants to build this in stages. Let's say, "Hey, this is our end goal to have a barndominium, but right now we're budgeting, we just want cold storage. Just want to put up a straight pole barn." Is that a process that people can do in stages like that, depending on the budget and how they... It could be a long-term plan, I guess, of what they're looking to do?

 

Nicole Schwab (10:39):Yep. Yep, that is absolutely possible. We've actually had a couple of customers that have approached us, especially if they already currently have a mortgage and maybe have purchased the land, but they really need to sell that mortgage first. If they're looking at doing this during the summertime and have a really nice camper, they want to put up the shop or garage part of it, which is going to be fairly large and park their camper in there. And then once they sell their house, they add on and start the living space.

 

Matt Adams (11:17):Add on your living quarters. Gotcha. Okay.

 

Nicole Schwab (11:18):Yeah. We can do different wings and stuff like that really pretty easily.

 

Matt Adams (11:25):That's one of the great things, especially with probably the design program stuff you guys have now, that you can look at the end result. You can basically build it from this is what our initial phase is, but then have it set to where there might be some certain things we've built into for the next phase of the operation.

 

Nicole Schwab (11:46):Yep. 

 

Matt Adams (11:48):You talked about one of the biggest things when somebody's looking at this is, "Know your numbers. Go talk to your lender." We happen to have one of the best in AgCredit, as I like to call him. Matt and I have worked together for a lot of years. Have a great working relationship. He is one of the top mortgage loan originators we have for our association. Matt, let's dive into the numbers, man. Let's talk about financing a barndominium.

 

Matt Gray (12:13):All right. Let's do it.

 

Matt Adams (12:14):I will pride us a little bit, this is our podcast. We do have an awesome product for barndominiums.

 

Matt Gray (12:22):We do.

 

Matt Adams (12:22):So Matt, let's dive into it. Let's go through structures. Really, what's the first step when somebody makes a phone call or walks into your office, what are we telling them?

 

Matt Gray (12:36):Well, the first thing we're going to tell them is, "It's exciting," right?

 

Matt Adams (12:40):Yes.

 

Matt Gray (12:41):I mean, these things are cool, let's be honest. It's what I believe is going to be a continuing and growing trend. Like Nicole mentioned, there are so many things that you can do with the plan itself. You have less limitations on the interior of that property whether it's living space or storage space or recreation space. That gets me super excited about all that. But back to the question, the first thing that we're going to tell people is, "Hey, let's get together and talk about this," you know?

 

Matt Gray (13:21):icole mentioned a checklist. We have a checklist. It's very easy for folks who aren't versed in construction to miss a step, and every single one of those steps is very important. Talking through all the steps, leads us naturally into our questions that we have about finances, cash, payments, interest rates, structure, and processes. All those things that people come in and ask, "How does this whole thing work?"

 

(14:06):I will say this about construction loans in general, most people, if they've never built a home or built a pole barn, whatever the case may be with it, it's just a different animal than purchasing an existing dwelling, in terms of how we look at it on the financial end of it. It's treated in a much different way. The appraisals and inspections and things of that nature just all need a really good discussion, a little bit of a back and forth, if you will, with those customers. So everybody's on the same page. So everybody can go do the next step, and get the next estimate. Or talk to their builder about this, or talk to the zoning individual, or whatever the case may be. So yeah, we try to just be as thorough as possible, I guess, is my main point.

 

Matt Adams (14:59):Is there much difficulty in getting the barndominium as a structure financed?

 

Matt Gray (15:06):Not really. I mean, the structure itself, no. Now, the financial piece of it is certainly a little bit more interesting. We got to dig into that and we got to talk about that. I like to tell people there are really always two sides to a mortgage loan. You've got your credit side, where you're talking about income and reserves and assets, and, "Can you do this?" From that perspective. But then you have the property side itself, "Is there enough land? Is there enough equity? What's the appraisal coming back at?" All those different things. But to say it's any different for us now versus a standard single family, what you'd call a standard customary home type loan, it's not a challenge for us anymore. That's why we have this barndominium program. That's what we're excited about. We've got no limitations as long as you're building a barndominium that's meant to be a residential living space for you.

 

Matt Adams (16:15):Right. That's one thing we talk about, for somebody that's never done a construction loan or anything, about how challenging, how time-consuming, how a lot of questions will arise. That's why we have specialists like Matt, and our whole association through 18 counties. That we are there with you every step of the way. We always call it, that we want to have a team of teams, but we want to have, obviously, the lending team behind every member. That's where I have a question for both of you. How have both of you guys been able to work together to help people basically build their dreams?

 

Matt Gray (16:54):Well, I guess I'll start. Maybe Nicole will agree or maybe she will disagree, but I'm hoping she will agree with this. I just am going to say, I think she would appreciate being able to work with a customer if she knows what financial ground they stand on. Because like she mentioned answering some of her questions earlier, you really have to know maybe what your top end is, or what your limitations might be, if you have them. Let's be honest, that's something everyone has. Everyone has a limitation. We have to find that so we know what budget you realistically need to work in. Everybody loves the dream, but-

 

Matt Adams (17:46):You want to shoot for the stars. And then I always feel our job as the team behind the member is to, "Let's shoot for the stars, but let's pull back to, for one, what's going to fit in the cash flow? What can we afford?" 

 

Matt Gray (18:00):Yeah. 

 

Nicole Schwab (18:00):"What's realistic?"

 

Matt Adams (18:01):"What's realistic?" That's where we come in as the lender and working with the builder is, "Hey, we're going to get you the most bang for your buck."

 

Matt Gray (18:08):Yes. 

 

Nicole Schwab (18:09):If there are some limitations, and you know maybe initially some of the pictures or floor plans, or whatever, their dream that they have in their head, it's not necessarily that maybe that's not achievable, but if we as a builder know what we're working with, we can then work with the customer as far as showing them ways on how to... Because there are certain things in a structure that are kind of like thresholds of price points, right?

 

Matt Adams (18:42):Okay.

 

Nicole Schwab (18:43):There are some of those things that we can say, "Okay, you can still get this feature in your home, but maybe if we cut it down. Or maybe if you change this and do this instead of this, you can save some costs there." So you are still able to build your home. It may not be the "reaching for the stars" one. But if we know what we're working with and they know their numbers, then we can definitely customize that to fit those numbers. Back to where Matt mentioned they can finance about anything as long as it's residential. That's the great thing about Wick is we have a whole engineering department behind us. All of these buildings are coded as residential buildings.

 

(19:34):When we submit these buildings, they go to an engineer and get assigned to an engineer that draws them up so that they meet the Ohio code for residential. So yes, they're pole barns, but it's not like we're just slapping up a barn. So they do meet code for people to live in as well. So that kind of plays a part.

 

Matt Gray (20:02):That's a very interesting point that you just made because I don't think a lot of people would even think of that.

 

Matt Adams (20:08):Oh, right.

 

Matt Gray (20:09):To be completely honest with you. I think there are a lot of folks out there that would build a pole barn. Who knows what code they're building by, but at least Nicole is backed by a company that is going through that process. You're talking about a legit builder there that's doing those things.

 

Matt Adams (20:28):You're exactly right. That goes back to, that's that whole team that we like to have behind our customers who are in this process. It's one that you look at, too. These are residential engineered buildings, but they're also, to a point, a barn is more... I may be misspeaking, but more of a commercial setting. I mean, these are structures built to last.

 

Nicole Schwab (20:50):Mm-hmm. 

 

Matt Adams (20:51):I do know, we were just talking before our podcast, down at the Farm Science Review area where there was some weather that rolled through, some of your guys' buildings did take some hits, but they were still basically standing. Just need some repairs. That really, I think, is a testament to that company and the engineering behind these things, to be able to hold up to, because that building, that's a big space for wind to hit.

 

Nicole Schwab (21:18):Yeah. Like with Wick, all of our materials are top UL-rated. Some insurance companies will actually identify that and recognize that.

 

Matt Adams (21:29):Okay.

 

Nicole Schwab (21:29):Meaning, Wick puts all of their materials... they send it to a lab. Even the lab comes and inspects their production line and everything like that. Our materials are rated 4, which is the highest you can get. They test those against wind, uplift, and fire damage so that you have a stronger structure. And then also the engineering piece behind it, too. The nice thing about them is you have a metal roof that's going to last you 40 years, which is going to outlast shingles. You have metal siding, which is also going to outlast any vinyl siding. That sort of thing. So your maintenance on these is a lot lower. They're also very, very efficient in energy. Especially some of the ones that do spray foam, and then they have the heated concrete floors, it's pretty impressive. Pretty impressive.

 

Matt Adams (22:30):I'm sure with new building techniques and technology there is... The industry, the same as agriculture, is probably constantly evolving and new recommendations. That's one thing I feel we look at as lenders, Matt, if we're going to go through this process with a member, we want them to be putting up a quality product. We want to be lending on a quality product.

 

Matt Gray (22:54):Oh, absolutely. Yes.

 

Matt Adams (22:57):Nicole, this has just been great stuff. What's the advice you have for someone looking to build a barndominium? Give me just some advice. I know we talked about the numbers. We talked about having your dream. What advice do you have for them?

 

Nicole Schwab (23:20):Well, lots of all those items on the checklist. I don't know. I mean, reach out to us if you're not sure where to start. Look at the land. Find out who your zoning person is, and get some information from them. And then, for sure, one of the top things is you need to reach out to your financial lender and find out what those numbers are. Because that's really the foundation of what's going to guide this whole project.

 

Matt Adams (24:00):Oh, right.

 

Nicole Schwab (24:01):I mean, it's even when you're buying a house. You need to know that before you even start looking, right? Because are you going to waste your time looking at $400,000 houses when your budget is really $250,000?

 

Nicole Schwab (24:16):So it makes a big difference. And knowing what you're looking for and your why. Like, "Why do you want to build a barndominium?" That's one of the first things I ask my customers. The customers who say, "I like the look of them. I like the low maintenance of them. I like how they're built. I like the large shop space," for whatever reason. "I like the large floor plans," those are all the reasons why you want to build a barndominium. I occasionally get some customers that will say, "Well, I want to build a barndominium because it's cheaper." They're not cheaper.

 

Matt Adams (24:58):I was going to say, probably not necessarily, depending on what you put in these.

 

Nicole Schwab (25:03):This is what people don't realize, all the guts are the same.

 

Matt Adams (25:07):Right.

 

Nicole Schwab (25:07):They're the same as a traditional home. You spend $30,000 on a kitchen. I don't care where you stick it, it's still $30,000. You still need all the electricity. You still need all the plumbing. You still need all the insulation. All the guts are still the same. So no, they are not necessarily. Not to deter people, but that's one of those reality checks that is a myth.

 

Matt Adams (25:31):Right.

 

Matt Gray (25:31):Yes. Well, it's the same as if you were comparing two homes. I mean, yes, can you build two of the same style and size homes cheaper, one versus the other? Yeah, you can, but you're not going to get the latest and greatest, best top-of-the-line stuff. It's the same way with barndominiums.

 

Matt Adams (25:51):Exactly. I go back to that key advice, Nicole, I think you and Matt and I, we all agree, is finding that team to work with and start the initial process. Find your lender. Find a contractor that has a good reputation. Start at that process, from there. Matt, when we have somebody that Nicole brings over or we have somebody that stops in and wants to start this process, what kind of information do they need to have when they want to come in and have us start running numbers?

 

Matt Gray (26:24):Sure. Sure. Well, typically, we're just going to sit down and take a basic loan application, which is pretty minimal information, who they are, where they live, where they work. Things like that. But we're going to ask for the basics. Most people have to bring in their last two years' tax information. We need some pay stubs, and some bank statements. Just basic things. Because yeah, we want to lay the groundwork. It all starts with a number, right?

 

Matt Adams (26:53):Mm-hmm.

 

Matt Gray (26:54):I mean, that's what we do here, we work with numbers. We try to see, "Okay, how far is this number realistically going to get you?" And, hey, if it's not the number you need right now, and your goal is a different number to make your dreams come true, then that just gives you a game plan, right?

 

Matt Adams (27:14):Oh, yeah.

 

Matt Gray (27:14):To save cash for another year, or to sell your house, or to make that plan. But at least you have a roadmap. We're never going to let someone leave our office just completely confused. We're going to try to tell them what that next step needs to be in order to reach that goal.

 

Matt Adams (27:35):That's exactly right. I know on our home mortgage side, to help that new member or an existing member, that they can submit a lot of stuff online now after that initial meeting. So they don't have to make a trip to the office every time. That we can get stuff online and make it more convenient for them.

 

Matt Gray (27:54):You bet. We're getting there. We're getting there. We do have some eSign and DocuSign capabilities now. It does make life easier in the busy world we live in for doing stuff via email. Yes, we do have all those options for people to utilize.

 

Matt Adams (28:10):To all of our listeners out there, you can reach out to Matt Gray. All of his contact information is right on our website, agcredit.net. As well as our whole list of team members for our home mortgage side, whoever might be the one closest to your area. And then, Nicole, I know you were telling me before that you guys have a new website. How can our listeners reach out and find more information about you and your business?

 

Nicole Schwab (28:35):Yeah. We are on Facebook. It's Schwab Builders-Wick Buildings. And then we also have another Facebook page, The Barndo Company. And then our website, which is schwabbuilders.net. We are soon to have a Barndo Company website. It's not quite there yet.

 

Matt Adams (28:54):Gotcha. For all of those of you coming to the Farm Science Review and visiting the AgCredit booth, we are close to the Schwab Builders.

 

Nicole Schwab (29:05):Yes, sir. Yep.

 

Matt Adams (29:06):So be sure to stop in and look up her team, and get some information on it. Really, I tell people, I always use the little tagline, "What do we do at AgCredit?" We make dreams come true one loan at a time.

 

Matt Gray (29:20):Yep.

 

Matt Adams (29:20):So if a barndominium is just something you want to have more information about, maybe not even on your radar, stop in. Get some information on this stuff.

 

(29:31):I want to thank you both for joining us today. This has been just another great thing on a product and a line that I truly feel, I agree with you guys, it's something that I've seen grow just in my time with AgCredit. I believe, just looking at people's lifestyle now and what people look for, this is something that you're going to continue to see more and more stuff like this.

 

(29:55):Thanks again to all of our listeners for tuning in to another episode of AgCredit Said It. Be sure to subscribe to the show in your favorite podcast app so you never miss an episode. If there's a topic you'd like us to cover, email us at podcast@agcredit.net and let us know. We'll talk to you next time on AgCredit Said It.

 

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