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Shipping Container Financing

Get shipping container home financing today – without impacting your credit score. If you are in the middle of a home remodel and you’re thinking of a shipping container home, or even a pole barn structure, Acorn Finance can get you the financing you need.

No matter your credit score, if you want to secure shipping container home financing in California, Texas, Colorado, or anywhere across the U.S., Acorn Finance will provide pre-qualified loans in seconds to get your new shipping container home financed quickly. Easily sort all the shipping container home loan offers by what matters to you: interest rate, payment amount, length of the loan term.

Never impact your credit score when comparing rates between our network of trusted partners. 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly finance a shipping container home you want to build.

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Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

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Shipping Container Home Financing Options

Shipping container home financing is available to help make the american dream of owning your own home a reality. Keep reading to learn more about building and financing a shipping container home.

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What is a shipping container home?

Shipping container homes are exactly what they sound like… a home built within a steel shipping container. At first you might reject the idea of a shipping container home, but hear us out. Shipping container homes are trending because they make an affordable, convenient, eco-friendly, and modern looking living space. In addition, the construction process is simple. You start by ordering the number of shipping containers you need and get them delivered.During production the shipping container is pre-fitted for insulation and built to be structurally sound. Since shipping containers are built in a factory setting there are strict quality standard requirements. Once your containers are delivered, the transformation can begin.

Are container homes considered mobile homes?

In most cases, shipping container homes are not considered mobile homes. While they are both an affordable and eco-friendly living solution, they have their differences. Mobile homes usually offer better insulation and can be preferred in areas that have harsh climates. Shipping containers are usually only about 8 feet wide by 8 feet tall. This means you may need more than one shipping container. Mobile homes are usually offered in a variety of sizes and styles.

Can you legally live in a shipping container?

Yes, in most states, shipping containers can be legally modified into residential units. Just like mobile homes and site-built homes, shipping container homes are required to meet building codes and zoning requirements in order to be a legal living space.

Do you need a permit to put a shipping container on your property?

Whether you need a permit or not for a shipping container home depends on where you are located. If you are using the storage container as a residential unit the chance of needing a permit can increase.

What states allow container homes?

In most states shipping container homes are legal. Any state or city that is not allowing them yet, should be seriously considering allowing shipping container homes. You should contact your city or county planner to find out about local regulations for shipping container homes. If you have confirmed your area allows shipping container homes, you will want to verify regulations. Regulations can vary from county to county. To verify regulations you can contact a local building authority. Some states that allow shipping container homes include Texas, California, Louisiana, Tennessee, Alaska, Missouri, and Oregon. For more information on local acceptable codes and state standards you can visit the International Code Council (ICC) online. The ICC regulates building codes and can provide specific mandatory requirements that must be net before permits are issued. Similar to traditional residential and commercial apartments, zoning laws apply to shipping container homes in most areas. Before approaching local authority you should determine the kind of structure you wish to build. Once you have confirmation that shipping container homes are allowed in your area, you can approach local authority for a building permit.

How do you insulate a container home?

Insulating a shipping container home is an important step toward making it a sustainable living space. Without insulation, shipping container homes can still provide shelter and a place to call home but they may feel like a hot sticky box or harsh cold box, depending on the weather. While shipping container homes can be insulated, there are a few challenges. The primary challenge is that walls’ inherently shallow depth. So how do you insulate a shipping container home?
#1. Build out the walls
One way to resolve the problem is to build the walls out to the proper depth. This process can be similar to finishing a basement. The downside to this process is you may lose valuable square footable inside your shipping container home. This option is most suitable for larger shipping container homes.
#2. Insulate the exterior
If you are building a tiny shipping container home (one or two shipping containers) you may want to add insulation to the exterior and cover it with exterior cladding instead. If you go this route, interior walls can be left as exposed metal or covered with interior plaster for a more homey feel.
#3. Spray foam insulation
Spray foam insulation is a quick and easy way to insulate a shipping container home but it may not be the most sustainable. In addition, the EPA has highlighted potential health hazards related to the spray insulation. Another downside to this option is that not all spray foam is there can be variances in spray foam. Some spray foams may be harmful to the atmosphere. If you are going to use spray foam insulation you should find a product with expansive properties such as closed-cell foam. They may be more expensive upfront but can save you money in the long run.
#4. Wool insulation
Wool insulation is a high-performance and environmentally friendly alternative for container home insulation. Sheep’s wool has lanolin which is naturally flame retardant so you’ll want to treat wool with other chemical solutions.

#5. Cotton insulation
Cotton insulation is often recycled, thus encouraging container homeowners to use it. While this may be an environmentally friendly option, it does require a vapor barrier. If cotton insulation gets wet it can lose some of its insulation properties.

Do shipping container homes need a foundation?

Shipping container homes need a foundation! If your shipping container home does not have a proper foundation you may experience costly problems down the road. As the ground moves over time, it can cause your shipping container home to no longer be level. It can even cause shipping container homes to split or separate if there are multiple containers attached. Building a solid foundation can help you avoid these problems and more. It can also help prevent moisture. Moisture can cause corrosion – a problem you’ll want to avoid. If the shipping container home is temporary or will be moved within a few months, you may be able to use railroad ties.

How much would it cost to turn a shipping container into a house?

Larger shipping container homes can cost between $150,000 to $175,000 to build. However, if you are experienced and handy you can build a shipping container home for about $10,000+. There are a lot of factors that can influence the cost such as size, location, insulation, design features, and more.
Compared to the cost per square foot of traditional stick building, shipping container homes can cost half as much. In addition, if well-maintained shipping container homes can retain resale value. Before building a shipping container home you should consider climate conditions. Making sure your shipping container home is built properly for climate conditions can help it retain resale value.

How much does a 40 foot shipping container cost?

Shipping containers can be purchased in new or used condition. You can expect the pricing of used shipping containers to vary based on age, condition, delivery fees, and so on. According to Container Discounts, a new 40-foot shipping container can cost about $4,500 and a used 40-foot container can cost about $2,200. These are ballpark figures but should provide a rough idea of cost. Shipping containers are designed to be durable and can last for decades. Since it’s likely that you’ll be doing interior and exterior modifications, a used shipping container may be more than suitable.

Where are shipping container homes legal?

In most states shipping container homes are legal. Any state or city that is not allowing them yet, should be seriously considering allowing shipping container homes. You should contact your city or county planner to find out about local regulations for shipping container homes.

What adjustments must be made to a shipping container to live in?

Building a shipping container home can be easier than building a tiny home because the shell is already there. Once you order and receive your container or containers it’s time to transform them into your desired living space. Let’s look at some of the steps involved in transforming a shipping container into a home…

#1. Design your space

Before starting any construction you should sit down and decide how to make your shipping container(s) a functional living space. Where do you want the windows? Where do you want the bedrooms? Do you want a loft? How should your containers connect? Even though you may have a small space, the design potential is unlimited.

#2. Consult an engineer & finalize your design

If you plan on removing or adding walls you should consult an engineer to ensure your container will remain structurally sound. Once you have your plans confirmed as safe, you can finalize your design.

#3. Prepare your land

Once you have selected where your shipping container home will go, you should prepare the land. The land should be leveled with a foundation for the container. Make sure you have a clear path for the containers to be delivered safely.

#4. Choose, buy, receive, and connect your shipping containers

This is an important step. After you select and purchase your containers they should be delivered. After they have been delivered it’s time to connect the containers, assuming you ordered more than one. If your design requires any structural reinforcements they should be added during this step as well.

#5. Cut your openings

Once your containers are connected it’s time to start cutting our windows, doors, and other parts of the walls. This is an exciting step where you can really start to see your design vision coming to life.

#6. Remove flooring

Most people prefer to remove the flooring of their shipping container home because it’s been treated with harsh chemicals. If you wish to protect yourself and remove the factory floor you should do it before moving onto the next step.

#7. Frame, sheath, and add the floor and the insulation

During this step you should add your frame and insulation. The type of insulation you use can vary depending on where you live. If you remove the floor you will want to install your new flooring.

#8. Add electric, decorate, and move in

This step is pretty self explanatory… add your finishing touches and move in. Welcome home!

How much does it cost to finance a container home?

Larger shipping container homes can cost between $150,000 to $175,000 to build. However, if you are experienced and handy you can build a shipping container home for about $10,000+. There are a lot of factors that can influence the cost such as size, location, insulation, design features, and more.

How long do container homes last?

Shipping containers are made out of steel, which is very durable. In most cases, shipping container homes can last 25 years without needing any major maintenance.

Do container homes appreciate in value?

Surprisingly, yes, container homes usually retain or appreciate in value.

Will banks finance shipping container homes?

Financing options can be limited for shipping container homes. Most banks choose not to lend funds for a property that is not fixed to a permanent location. Personal loans can be one of the best options for financing a shipping container home. You can pre-qualify for a personal loan using an online lender, bank, or credit union. Online lenders can offer a faster and easier process while still delivering competitive rates and high loan amounts. Acorn Finance offers personal loans for shipping container home financing for all credit types.

Can you get a mortgage on a container home?

You may be able to get a mortgage on a container home if it’s built in compliance with single family home building codes. However, not all container homes are considered real estate. In order for a container home to be considered real estate it should be built on a permanent foundation with utility hookups. Some lenders may be apprehensive to provide a mortgage for a container home as they may question the legitimacy. If you want to obtain a mortgage for a container home you should work with a professional contractor and present the lender with construction plans. A personal loan may be an easier option when it comes to container home financing but mortgages may offer lower interest rates and other perks. It may be worth your time to look into both options to determine what you can qualify for.

Are container homes a good investment?

If built and maintained properly, container homes can be a good investment. In addition, purchasing land to build a container home on can be a good investment. The upfront cost to build a shipping container home is usually much cheaper than a traditional home. The maintenance cost of a container home may also be cheaper than a traditional home. Container homes can provide an affordable and sustainable living space that can provide a good return on investment.

Do container homes hold value?

A container home can hold value and be rented or resold similar to a traditional home. To help ensure your shipping container home retains value you should make necessary modifications to make it appropriate for its intended location.

Can you insure a container home?

While it may be difficult to insure a container home, it’s not impossible. However, you should have insurance on a container home. As container homes gain popularity more and more insurance companies are creating policies to insure them. They are often insured based on housing and safety standards. Whereas a traditional home is typically insured based on size. Shipping container homeowners in hurricane prone areas can benefit from the strength and stability their container home provides. Container homes have been known to withstand hurricanes, thus decreasing the chance of needing to file an insurance claim. Intermodel Steel Buildings (ISBU) are known for outstanding safety and fire ratings. ISBU buildings may be easier to insure.

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