Camp on Piers - The Outdoor Community
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post #1 of 30 (permalink) Old 02-13-2019, 04:05 PM Thread Starter
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Camp on Piers

Looking around for a camp and 1 caught my eye. The agent said you cant get financing if its on piers is this so.
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post #2 of 30 (permalink) Old 02-13-2019, 04:09 PM
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As I understand not a mortgage but a personal loan yes
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post #3 of 30 (permalink) Old 02-13-2019, 05:55 PM
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I cant imagine being built on piers would make a difference I'm sure those million dollar beach houses built on piers weren't all financed with 2nd mortgages or personal loans.Its sometimes hard to get a mortgage on camps period no matter how it was built.
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post #4 of 30 (permalink) Old 02-13-2019, 08:19 PM
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I agree with Jakesroost. Our camp is on piers but was paid for with home equity line of credit. We did get it insured and they didnít have a problem with the pillars if thatís worth anything.
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post #5 of 30 (permalink) Old 02-13-2019, 08:27 PM
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A couple of things on financing.

For camps it is usually easier to get financing from a small local bank or lending place than the big chain places. Recreational camps can be tough to get financing on, terms are usually shorter and rates are higher.

It is usually far better if you can get a home equity line of credit on your house, or refinance it to get the money.
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post #6 of 30 (permalink) Old 02-14-2019, 10:06 AM
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Not sure where you are looking, but Jersey Shore bank was great to work with. They understand camps and how they really aren't a risky loan like the big banks.
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post #7 of 30 (permalink) Old 04-01-2019, 06:06 PM
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Northwest Bank did my loan and my camp is on piers.
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post #8 of 30 (permalink) Old 04-03-2019, 09:08 AM
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Current State forest regulations require piers, concrete filled sono-tube seems to be what gets used in the rebuilds

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post #9 of 30 (permalink) Old 04-03-2019, 03:12 PM
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My camp is on piers and I got financing. My biggest pain point was the fact that the only heath source was the wood stove, followed by no running water. Many of the larger banks turned me away because of that. I went with a local credit union and they took care of it.

Don't Tread On Me is what it says and I'll take that to my grave.
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post #10 of 30 (permalink) Old 04-03-2019, 04:34 PM
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Do you find that your floors are cold - with a camp on piers? My bud's camp has heat traced plumbing as it is used year-round.

WMU - 2A
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