Own Your Building.
Pay Over Time.
Straightforward financing for property owners across the West, with fixed rates and no prepayment penalty.
For 30 years, SSA has helped property owners across the West build the garages, shops, barns, and living spaces they need. Today, that includes helping you pay for it. Whether you finance directly through our program or use one of the loan options covered in our guides below, we will help you find the right path and give you the documentation any lender needs.
How It Actually Works
Fill Out the Short Form
Tell us your contact info and the project you have in mind. Your request goes straight to our financing team.
Get a Decision Fast
Most applicants hear back in about 10 minutes. Your approval stays valid for 180 days while you finalize plans.
Pick the Term That Fits
Choose a 10, 15, or 20 year term. We show you the monthly payment up front so you can decide without pressure.
We Build It. You Own It.
Once financing is set, your project manager schedules your build. Your building is the collateral, not your house.
Current Rates & What They Mean
These are real rates, not teaser rates that change at signing. All figures are annual percentage rates (APR). Your exact rate depends on your credit and loan amount, on approved credit. Not all applicants will qualify. Loans are subject to credit approval.
*Rates shown for qualified borrowers (680+ score) on approved credit and include a 0.25% auto-pay discount. Shorter 3 and 5 year terms are also available. Your rate and term depend on creditworthiness. See full disclosures below.
Example: a $75,000 building financed at 8.99% APR over 180 months is about $760 per month on approved credit. This is an illustration only. Your actual payment will vary based on loan amount, term, and credit approval. Rates effective as of 6/1/2026.
It is not a second mortgage.
When you finance through SSA, the building itself is the collateral, not your home and not your land. Our lending partner files a UCC-1 financing statement, a standard document that notes their interest in the building during the loan period.
During construction there is a brief interim period where the property is part of that security. That interim lien is released when funding is complete. It does not follow you like a mortgage and it does not go on your home's title.
Keep your payments current and you keep your flexibility, including the option to move the building. This is a home-improvement loan, not a refinance of your house.
What You Need to Qualify
Our in-house program is built for individual homeowners financing an SSA-installed building. The minimum credit score is 640.
Projects over $75,000 may require income verification. Approvals are typically issued in about 10 minutes and stay valid for 180 days. On approved credit.
- Individual homeowners on residential property: single-family, condo, townhome, duplex through fourplex, and manufactured homes on a permanent foundation
- Primary, second, vacation, and rental homes
- Projects installed by SSA, including garage door, siding, and roofing installs
- Credit scores of 640 and above
- LLCs or commercial entities (residential only)
- Customer self-build or kit-only purchases (SSA must install)
- Mobile homes in parks without land ownership
- Vacant land in most cases (ask your project manager)
- Residents of New York and Washington, D.C.
Why Finance Through SSA
Fast, Honest Decisions
Most applicants get an answer in about 10 minutes. Your approval stays good for 180 days, with no pressure to rush your build.
No Prepayment Penalty
Pay ahead or pay it off in full any time, with no added cost. You are never penalized for getting ahead.
Not a Traditional Mortgage
Your building is the collateral through a UCC-1 filing, not a long-term mortgage on your home. Your land and house stay yours.
Want to Read More Before You Decide?
Common Questions, Straight Answers
Does applying affect my credit?
Applying includes a credit check, which is a standard part of any financing process and the same step any lender takes. We will let you know before we submit.
Is this a mortgage or a lien on my house?
No. The building itself is the collateral through a UCC-1 filing. During construction there is a brief interim security interest in the property that is released when the loan funds. It does not appear on your home's mortgage or title.
How much can I finance?
Up to $100,000. Your limit is based on your credit tier: 640 to 649 up to $50,000, 650 to 729 up to $75,000, and 730 and above up to $100,000. Projects over $75,000 may require income verification.
Can I pay it off early?
Yes. There is no prepayment penalty. Pay ahead whenever it makes sense for you.
When does the loan start?
You are approved for your amount up front, but the loan does not fund until your building is complete. You will not make payments on an unfinished project.
Can a business or LLC apply?
This program is for individual homeowners on residential property only. If your project is commercial or under an LLC, ask your project manager about other options.
Ready to See What You Qualify For?
Fill out the short form and a project manager will follow up. This is a request for information, not a credit application.
Prefer to talk? Call (800) 833-9997, Monday through Friday. Financing is subject to credit approval. Not all applicants will qualify.
Financing Disclosures. Financing is provided through a third-party lending partner and is subject to credit approval. Not all applicants will qualify. Annual Percentage Rates range from 7.99% to 9.99% depending on term. Rates and terms shown are for qualified borrowers on approved credit and assume automatic payments; the rate increases 0.25% APR if automatic payments are not set up within 15 days of project completion. Payment example: a $75,000 loan at 8.99% APR for 180 months is approximately $760 per month and is for illustration only; your actual rate, term, and payment depend on creditworthiness and loan amount. Financing is available only for buildings and improvements installed by Steel Structures America for individual homeowners on eligible residential property. It is not available for LLCs or commercial entities, customer self-build or kit-only purchases, or residents of New York or the District of Columbia. Credit union eligibility required.