Looking into building a metal frame home. Does anybody have input on pros and cons as opposed to a wood frame? I live in Louisiana. I have been told that banks won’t do financing on metal homes.

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Posted by wickowick

Head of Island

Member since Dec 2006

45814 posts

Posted on 1/4/21 at 9:27 pm to Jpeazyy

You mean large metal building with a portion living area of a traditional house with metal studs?

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Posted by Jpeazyy

Member since Feb 2016

136 posts

Posted on 1/4/21 at 9:33 pm to wickowick

Yes sir

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Posted by Drop4Loss

Birds Eye Of Deaf Valley

Member since Oct 2007

3871 posts

Posted on 1/4/21 at 9:58 pm to Jpeazyy

Banks dont give a shite about what its made of

It has to meet their valuE, loan, equity reqs

Value is determined by the appraisal, if they require one

Your costs will be higher but your insurance should be lower, for fire

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Posted by cajuns td

Prairieville

Member since Jun 2019

153 posts

Posted on 1/5/21 at 5:37 am to Jpeazyy

Metal studs are thermal bridges in the insulation. Think about insulating external of the sheathing or a plan for continuous internal insulation.

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Posted by bctiger6

NOLA

Member since Jul 2007

1355 posts

Posted on 1/5/21 at 8:45 am to Jpeazyy

Wood will be significantly cheaper even at the high lumber prices you’re seeing right now. Plus wood is easier to work with and will go up a little quicker. With metal studs you’re dealing with a ton of screws and it’s not very easy to cut in the field. Metal studs can be stronger depending on the gauge of metal used but with residential applications you probably won’t need that extra strength.

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