Introduction To The Registered Dealer

Amish Built Cabins, a registered builder of BuildBuyRefi.com, deals certified modular cabins, log homes, barndominium steel kits, and house kits nationwide.

Considering a certified modular cabin, log home, or barndominium from Amish Built Cabins? Placing one of their certified, permanently affixed homes on land you own is financed as a construction loan, and that is where BuildBuyRefi.com comes in as your direct, FDIC-insured lender. Amish Built Cabins is already registered with us. Builders often stall when a new bank asks them to redo financial paperwork, sit through approval calls, and learn another lender's process. Because that step is already done here, the only approval left is yours, not theirs plus yours. That alone can take 30 to 60 days off your closing.

Qualified borrowers can access up to 100% financing on eligible programs, plus up to *$50,000 extra before, at, or after closing. We underwrite, fund, appraise, and draw-manage in-house, with a team that understands how factory-built modular and steel-frame homes are built, certified, and valued.

A Faith-Based, American-Made Dealer Built On Amish Craftsmanship And Transparent Pricing

Amish Built Cabins is a family-run, faith-based brand that launched around 2020 under founder Osi, known to a large online following as The Cabin Cowboy. The company does not build the homes itself. It represents a network of 18 Amish, Mennonite, and independent builder communities across 8 states, pairing each buyer with the right builder and the right factory for the project and the location.

The craftsmanship is the draw. Their log cabin and timber-frame style homes are handcrafted by Amish builders working with methods passed down across generations, using solid timber construction and time-tested joinery. Alongside the rustic log line, the catalog runs to modern farmhouse, Scandinavian-inspired, and mono-slope contemporary designs, so the look is flexible even though the underlying quality stays consistent.

Two things define how the company operates. First, transparent up-front pricing: rather than an inflated sticker price marked down with constant discounts, they publish pricing and quote with slim margins. Second, a nationwide installer network. With multiple manufacturing facilities and delivery partners, they coordinate the build, transport, and crane set across the country. Their main display lot sits at 677 S Cardinal Lane in Scottsburg, Indiana, with a customer service office in Louisville, Kentucky.

What Amish Built Cabins Offers New Cabin, Barndo & Kit Home Buyers

Amish Built Cabins carries a broad catalog, and the certified, permanently affixed side is where a BuildBuyRefi construction loan fits.

Their certified modular cabins and homes are built in a factory to International Residential Code standards, carry state modular certification, and are delivered in sections for professional installation on a permanent foundation. These are treated as real property, the same as a site-built home, and come with a 10-year structural warranty. Floor plans range from compact layouts up to roughly 2,376 square feet, with some plans expandable to 3,240 square feet, in rustic log, farmhouse, Scandinavian, and modern styles. Modern certified homes use 2x6 exterior walls, full insulation to code, energy-rated windows, and metal roofing.

Their barndominium steel house kits deliver a dried-in exterior shell plus 16-gauge interior steel stud framing for every room, bolted to a slab foundation, ready for a contractor to run electrical, plumbing, insulation, and finishes. Their affordable house kits ship as shell packages with 2x6 framing and 26-gauge metal roofing and siding, designed for a primary residence, rental, or guest home that a builder finishes out.

Buyers can tailor any of these from a wide options list: siding in lap, vinyl, log, or board-and-batten metal, interior finishes in white pine, shiplap, or nickel gap, plus layout adjustments, porches, and upgraded insulation packages, each priced clearly before anything is ordered.

What Type of Land and Home Loans BuildBuyRefi Can And Cannot Finance

This matters, so here is the clean line.

We finance certified modular homes, barndominiums, and house kits when the home is completed by a licensed, approved builder, permanently affixed to a qualifying foundation on land you own or are purchasing at closing, converted to real property, and meeting our 600 square foot minimum. These homes qualify under traditional 15 and 30 year mortgage guidelines, which is exactly what a state-certified modular home is built to satisfy. Self-build, owner-as-general-contractor, and relative-built projects are not eligible under any of our programs, so the barndominium and kit shells must be finished by an approved contractor from the network rather than by the buyer alone.

What falls outside traditional mortgage financing: non-certified Old Order Amish-built cabins, park models, and tiny homes on a chassis or wheels. Because these are not state-certified as real property, they do not meet conventional 15 and 30 year mortgage guidelines. Financing those normally requires a chattel loan, which we do not offer. There is still a path, covered in the next section, but it runs through our consumer financing alongside a primary mortgage with us, not through a standalone mortgage on the non-certified structure itself.

If your plan is a certified, permanently affixed home on land you own, built by an approved contractor, you are in the right place.

Non-Certified Cabins, Tiny Homes, And ADUs:
How Our Consumer Financing Fits

Plenty of buyers want a non-certified Amish-built cabin, a tiny home, or a small ADU that is not permanently affixed to the land or sits below the size a mortgage program requires. These cannot stand on their own as a 15 or 30 year mortgage, and we do not write chattel loans. Here is the structure that does work.

When we are doing your primary mortgage or construction loan on an eligible certified home, qualified borrowers can access up to *$50,000 in additional funds through our consumer financing, before, at, or after closing. Those funds can go toward a secondary structure on the same property, including a non-certified cabin, a tiny home, or an ADU that is not permanently affixed. This is a standalone consumer loan, capped at $50,000, and it is only available in conjunction with a BuildBuyRefi mortgage loan on the property. It is not rolled into the construction loan, and it does not replace one.

In short: the certified home is the financed primary dwelling and qualifies for the mortgage. The smaller non-certified or non-affixed structure rides alongside it on the consumer side, up to the $50,000 cap, when we hold the primary loan.

A separate note for ADUs that are permanently affixed to land and meet foundation and size requirements: those are eligible as real construction, either folded into the primary build or financed through our 2nd Mortgage Construction-to-Permanent loan covered further down. The consumer financing path above is specifically for the non-affixed or non-certified structures that cannot qualify on their own.

How The Amish Built Cabins Process Works

The company runs a structured purchase path designed to remove guesswork:

Find Your Plan. Work with a design specialist to select a certified modular, log, barndo, or kit plan that fits your land and budget. A 25% deposit locks your price and your place in the design queue. That deposit is different when using our in-house financing and usually applies to cash purchases, so please check with Bobby Atkisson, the preferred lender/banker with Amish Built Cabins.

Customize. Choose siding, interior finish, flooring, layout tweaks, and exterior style. This is the stage where connecting with your BuildBuyRefi banker matters most, so the financing is lined up alongside the build.

Finalize. Approve the final floor plan and designs, sign the contract, and a second payment triggers production.

Build. Certified modular homes typically build in 14 to 20 weeks. Non-certified Old Order Amish cabins run 5 to 7 months. Barndominium kits run roughly 16 to 18 weeks from plan approval. Every certified home is inspected multiple times and complies with state and national code before it leaves the factory.

Delivery And Set. The home ships and is set on your prepared foundation with a crane. You handle site prep, foundation, utilities, permits, and final licensed plumbing and electrical hookups.

Because the home is built in a climate-controlled factory and set on a prepared foundation, this path is often faster and more predictable than from-scratch site building, with fewer weather delays and tighter cost control.

Up To 100% Construction Financing Nationwide With BuildBuyRefi.com

Choosing an Amish Built Cabins certified home is only part of the picture. The financing has to match the build, and working with a direct construction lender changes the outcome. Buyers building with an approved contractor can access specialized construction loan programs through Bobby Atkisson, Top Rated® Sr. Vice President and LPO Manager, BuildBuyRefi.com, powered by The Federal Savings Bank, NMLS #28045. Bobby is the preferred lender for Amish Built Cabins and finances nationwide.

A certified modular home is treated identically to a site-built single-family home under every program we offer. It is not classified as a manufactured home, carries no VIN, and is eligible across all 50 states. Available structures include:

One-Time Close Construction Loans

Combine construction and permanent financing into a single closing, with no re-qualification once the home is set and complete.

Two-Time Close Construction Loans

Close the construction and permanent phases separately, which lets you address the permanent rate near completion.

The Hybrid Construction Loan

An in-house structure that prepares both sets of loan documents upfront, so the build operates like a single-close experience while keeping the permanent rate flexible through completion. It is also eligible for VA and FHA streamline refinancing on the permanent loan in qualifying scenarios. No broker or correspondent can replicate it, because it requires in-house origination, underwriting, and draw management.

For eligible veterans and their spouses, our VA construction programs offer up to 100% financing with no mortgage insurance, delivered through the Hybrid and Two-Time Close structures. The VA funding fee is assessed on the permanent end loan, not during construction, and VA IRRRL streamline eligibility applies to qualifying permanent loans.

The program suite runs deeper than the standard options. Conventional, FHA, VA, and Portfolio construction loans carry a 640 minimum middle credit score. Jumbo construction reaches up to $4.5 million for high-value certified and custom builds. ITIN construction loans serve borrowers who file taxes with an Individual Taxpayer Identification Number, a program very few direct lenders offer. Second home and investment property construction round it out, programs most lenders do not extend to ground-up builds at all.

Land you already own can be applied toward your down payment. If the land carries a balance, it can be paid off and rolled into the loan. For barndominium and steel-frame builds specifically, our programs finance metal-frame homes as permanent residential construction on owned land with proper zoning, foundation, and permitting, and our team carries the appraiser and program familiarity these builds require.

What A Direct Lender Means For Your Amish Built Cabins Loan

There is a real difference between a company that advertises construction loans and a federally chartered bank that originates, underwrites, funds, and draw-manages them in-house. BuildBuyRefi is a division of The Federal Savings Bank, an FDIC-insured, veteran-owned direct lender operating in all 50 states, with a registered builder network approaching 2,000 contractors nationwide.

Many companies advertising construction financing are brokers or correspondents. They place your file with a wholesale investor or sell your loan immediately after closing, and the team you applied with is no longer managing your draws, inspections, or timeline once the ink dries. Those arrangements frequently carry administrative and processing fees layered on top of the loan, anywhere from $40,000 to $100,000 or more depending on size. Those fees do not build anything. Worse, they inflate the loan amount past what the completed home appraises for, which creates a cash gap at closing that buyers did not see coming.

We charge no administrative fees on our construction programs. The same banker who opens your file stays with you through every phase, including any extension your build timeline requires. Draws are released only after an inspection confirms completed work, so the builder is never paid for work that is not finished. That structure protects you.

Begin Your Cabin Or Barndo Adventure. Check Your Eligibility Today And Access Up To An Extra *$50,000 Before Or At Close!

Meet Bobby Atkisson, Amish Built Cabins' Preferred Lender & Sr. Vice President Of Construction Lending

FHA 203K Specialist | FNMA HomeStyle Specialist | Veteran Lending Specialist | New Construction Loan Specialist | Construction Loan Specialist | VA Renovation Specialist

Bobby Atkisson is a Top Rated® Sr. Vice President and LPO Manager with BuildBuyRefi.com, powered by The Federal Savings Bank, NMLS #28045. He brings the program depth that steel, barndominium, and kit-home construction on owned land requires, and he finances nationwide alongside Amish Built Cabin’s contractor network.

Powering your build with flexible, accommodating financing, Bobby and our team guide you through a secure and straightforward process so your experience with Amish Built Cabin stays clear from kit order to final inspection.

Check Your Eligibility Today. Once you submit your information, Bobby Atkisson, our Amish Built Cabin’s preferred banker, will guide you through the steps from start to finish. To be assigned to Bobby, complete the eligibility or calendar forms on this page.

Have Bobby Atkisson Call Me

Exclusive BuildBuyRefi.com Benefits For Amish Built Cabins Buyers

*Up to $50,000 extra

Qualified borrowers may access up to $50,000 in additional funds before, at, or after closing. Buyers building an Amish Built Cabins home often use it to finish out a kit interior, add a porch or detached structure, fund a non-certified secondary cabin or tiny home on the property, build a driveway or outdoor space, consolidate debt, or strengthen their financial profile heading into the new home.

Up to 30% off real estate commissions

When buying land for your new Amish Built Cabin build or selling an existing property, qualified borrowers can save up to 30% on listing-side real estate commissions through our participating agent network in all 50 states. The savings are applied as a closing cost credit or toward a rate buy-down.

Low and no down payment options

Depending on your scenario and loan type, you may qualify for low or even no down payment construction financing. VA-eligible borrowers can reach up to 100% financing, and buyers with land equity can often meet down payment requirements without bringing extra cash to closing.

In-house decisions

Builder approval, draw management, and underwriting are handled inside the bank, which keeps your file moving and removes the handoffs that slow other lenders down.

Already Own Your Home? Add An ADU Or Structure With Our Exclusive In-House 2nd Mortgage Construction Loans

Not every Amish Built Cabins project starts from raw land. Many owners want a permanently affixed ADU cabin, a guest house, a detached structure, or a second certified modular placed on acreage they already hold, and most of them locked in a low first mortgage rate between 2020 and 2021 that they do not want to give up. A cash-out refinance to fund that work often costs more in lifetime interest than the project itself.

Our 2nd Mortgage Construction-to-Permanent loan solves that. It finances the new structure during construction and converts to a fixed-rate, closed-end second lien at completion. The first mortgage stays in place, the original rate is preserved, and the new build is financed as a separate second lien once the approved builder is finished. This applies to permanently affixed, qualifying structures. It is a structure most lenders do not offer.

Schedule A Free Strategy Call With Bobby Atkission

Frequently Asked Questions About Amish Built Cabins, Barndominiums, Modular And Kit Home Loans

1. Where does Amish Built Cabins operate?

Amish Built Cabins represents a network of Amish, Mennonite, and independent builders across 8 states and coordinates delivery and installation nationwide through multiple factories and delivery partners. BuildBuyRefi finances construction in all 50 states, so coverage lines up across the country.

2. What can BuildBuyRefi finance from the Amish Built Cabins catalog?

We finance certified modular homes, barndominiums, and house kits completed by a licensed, approved builder, permanently affixed to a foundation on land you own or are buying at closing, meeting our 600 square foot minimum. These qualify under standard 15 and 30 year mortgage guidelines. Self-build and owner-contracted projects are not eligible.

3. What about non-certified cabins, park models, or tiny homes?

Non-certified Old Order Amish cabins, park models, and tiny homes on wheels do not meet traditional mortgage guidelines and would normally require a chattel loan, which we do not offer. They can be funded through our consumer financing, up to $50,000, but only alongside a BuildBuyRefi mortgage loan on an eligible primary home on the property.

4. Can I finance the land and the home together?

Yes. Land and home financing combines the land purchase and the build into one plan. If you already own the land, that equity can reduce or eliminate your down payment. If the land carries a loan balance, it can be paid off at closing and rolled into the construction loan.

5. What credit score do I need to qualify?

Conventional and FHA construction programs require a 640 minimum middle FICO score. VA construction also starts at 640. ITIN construction requires 680, and Jumbo construction requires 720. Higher scores expand your program options and improve your terms.

6. Are barndominiums and steel-frame homes eligible?

Yes. Barndominiums and metal or steel-frame homes are financed as permanent residential construction when built on owned land with proper zoning, a qualifying foundation, and permitting, and completed by an approved contractor. Our team carries the appraiser and program familiarity these builds require.

7. Does being a registered builder really make my loan close faster?

Yes. Builders often drag their feet getting approved with a new bank because they do not want to redo financial paperwork, sit through approval calls, or learn another lender's process. Because Amish Built Cabins is already registered with us, the only approval left is yours, not theirs plus yours. That alone can take 30 to 60 days off the timeline.

8. I already own my home and have a low mortgage rate. Can I still add a structure?

Yes. Our 2nd Mortgage Construction-to-Permanent loan finances a permanently affixed ADU, guest house, or second structure as a separate fixed-rate second lien at completion, leaving your first mortgage and its rate untouched.

9. How much can I access beyond the build cost?

Qualified borrowers may access up to *$50,000 extra before, at, or after closing, to use for interior finish-out, a secondary structure, outdoor improvements, debt consolidation, or other needs.

10. Is BuildBuyRefi a direct lender?

Yes. BuildBuyRefi is a division of The Federal Savings Bank, an FDIC-insured, veteran-owned direct lender operating in all 50 states. We originate, underwrite, fund, and draw-manage every construction loan in-house, with no third-party handoffs.

Why Homeowners Choose Amish Built Cabins

Buyers who work with Amish Built Cabins tend to want a few specific things: authentic Amish craftsmanship, transparent up-front pricing with no inflated sticker games, a certified home that qualifies for a real mortgage and holds value like a site-built house, and a builder matched to the job from a vetted network. Amish Built Cabins answers that with certified modular construction, generational timber craftsmanship on its log and farmhouse lines, a 10-year structural warranty on certified homes, and installers across the country. Paired with up to 100% construction financing from BuildBuyRefi, the path from design to keys is clear and affordable.

Contact Amish Built Cabins

Amish Built Cabins

677 S Cardinal Lane, Scottsburg, Indiana 47170

Phone: 812-595-4033

Toll Free: 800-513-1675

Website: AmishBuiltCabins.com

For construction financing and loan structure, connect with:

Bobby Atkisson, Sr. Vice President and LPO Manager, Top Rated® Banker, BuildBuyRefi.com, powered by The Federal Savings Bank, NMLS #411500 (Banker NMLS #28045)

Discover how you can build your dream home. Check your eligibility today or schedule an appointment with our team.

Where Amish Built Cabins Builds

Amish Built Cabins represents builder communities across 8 states and coordinates certified modular, log, kit, and barndominium delivery and installation nationwide. BuildBuyRefi finances modular, barndominium, kit, manufactured, and site-built construction in all 50 states, so wherever your land sits, the financing follows.

View other builders at our Registered Home Builders page. For other steel, barndominium, and kit builders, you may also want to explore Titan Metal Structures, Evolve Kit Homes, Honest Abe Log Homes, Homerun Building Supply, and Zook Cabins.