The Deer Hunter’s Guide to Financing
November 8, 2018
Autumn colors have fallen into place, your face fleece* is at peak growth, and your Stormy Kromer is freshly laundered. Your dreams are laced with the scent of a wood burning stove, the tapping of cribbage pegs, and the sizzle of steaks on cast iron.
Yep, it’s almost deer season! But, you’re tired of hunting on public land. It’s time for you to set up your very own deer camp. We’ll help you finance the big-ticket items – read on to learn how!
Deer Camp Essentials and How to Finance Them
1. A Great Piece of Land
A deer camp just wouldn’t be great without a solid piece of land on which to sit. The ideal piece of land will be in whitetail territory (Whitetail Dreams has awesome properties for sale!), clock in at 40 acres or more, and produce mature deer every season. Experts say this type of plot will be about $30,000 down with a yearly payment, but you can often lease out your land to a farmer to be “cash-flow positive” and cover your yearly fee.
How to Finance Your Hunting Land: Unison Land Loan
We offer a fixed rate land loan to help you buy a piece of land and pay it off over time. This gradual payment schedule will help out while you’re covering other deer camp costs. Our members love our land loans thanks to a max 15-year term, lack of pre-payment penalty, bi-weekly payments, and hands-on support and sage advice from our Member Advisors.
2. A Cozy, Functional Cabin
Once you’ve landed your perfect plot, drop a comfy cabin or tiny home on top. Local builders like Utopian Villas have models starting at $76,695 with perks like two-sided fireplaces, skylights for extra daylight and stargazing, and indoor/outdoor audio systems. Of course, if you’re more of a DIYer, you can certainly build one on your own with help from pals and your best friend, the internet.
How to Finance your Cabin/Tiny Home: U Choose Loan or Mortgage
If you’re building it or buying manufactured: Try our unsecured, or U Choose, loan. You can borrow up to $30,000 at a solid rate and enjoy perks like no collateral needed, a fast approval process, and an easy online application.
If you’re buying something already standing: Try our mortgage products. With 60 to 70 percent of second homes being purchased with a mortgage, you’d be in good company. We offer fixed and adjustable-rate mortgages at competitive rates. To finance the purchase, consider tapping the equity in your home with a HELOC (home equity line of credit) or home equity loan. Read more about perks of HELOCs here.
3. The Right Ride
Toting all this awesome gear would be impossible without a roomy ride. We know you’re not the minivan type, so we’ve assembled a list of minivan alternatives that have good towing power, ample cargo space, and a hefty serving of style. Here are our picks:
- 2018 Chevy Traverse – 98.2 ft3 max cargo volume, 1,500 lbs. towing capacity
- 2017 Ram 2500 – 57.5 ft3 bed cargo volume, up to 11,890 lbs. towing capacity
- 2019 Ford F-150 – 52.8ft3 bed cargo volume, up to 8,000 lbs. towing capacity
How to Finance Your Vehicle: Unison Vehicle Loan
Our personal auto loans offer great rates, bi-weekly payment options, online banking access, 100% financing, automatic payment options, and we cut the pre-payment penalty. You can apply online whenever you’re ready to pull the trigger.
If you’re all set on a vehicle and want to venture into ATV territory, we offer an ATV-specific loan, too!
Is it Deer Camp Yet?
Once you have these items on lock down, all you need is gear, snacks, a few good card players, deer, and boom! You’ve got yourself the ultimate deer camp.
We Wish You a Full Buck Pole!