RidgelineA-Frame Eligible Corridors
Your A-Frame Won't Fit Their Box.
It Fits Ours.
Banks fail triangular floor plans. We don't. Ridgeline structures loans for steep-pitched cabins, ski conversions, and mountain parcels that conventional underwriters reject.
$340M+
A-Frame Volume
94%
Approval Rate
21 Days
Avg. Close
Every Frame Has a Story.
Here Are Three We Closed.
Conventional lenders failed each of these properties. We found a way through — every time.
Hunter Mountain Corridor
Case 01
The Bank Said No. Twice.
Two conventional lenders rejected this 1,400 sq ft A-frame citing "non-standard floor plan" and an appraisal gap of $118K. The buyers had 22% down and 740 credit scores — the property was the problem, not them.
Purchase Price
$685,000
Appraised
$567,000 (bank appraisal)
Loan Type
Portfolio A-Frame Loan
Outcome
Closed in 19 days at full purchase price. We use…
“Ridgeline found comps our bank didn't know existed. We closed before ski season.”
— Marcus & Elena T., Brooklyn, NY
Stowe–Morrisville Ski Belt
Case 02
Ski Cabin to Primary Residence — Underwriting Didn't Know the Difference.
Converting a weekend ski cabin to a primary residence triggers a different underwriting category. The lender's system flagged "seasonal use" and the loan stalled at approval for 6 weeks.
Purchase Price
$920,000
Appraised
$880,000
Loan Type
Primary Residence Conversion Bridge
Outcome
Restructured as a primary-use A-frame with docum…
“We'd been in limbo for six weeks. Ridgeline cleared it in under a month.”
— Priya S., Remote — formerly Boston, MA
Finger Lakes Forest Parcel
Case 03
New Build on Raw Land. No Comparables Anywhere Near the Site.
Builder-client needed a construction-to-permanent loan on a 4.2-acre wooded parcel. No recent A-frame new builds within 20 miles. Every lender passed.
Purchase Price
$1,140,000 (land + build)
Appraised
N/A — no comps
Loan Type
Construction-to-Perm A-Frame
Outcome
We underwrote on projected value using architect…
“They built the appraisal case from scratch. That's not something any bank does.”
— James O., Builder — Ithaca, NY
See If Your A-Frame Qualifies
Five questions. A personalized eligibility snapshot. No credit pull, no commitment — just clarity.
The Bank Doesn't Speak Triangle.
We Do.
Conventional lenders use automated underwriting systems built for rectangles. A-frames, cathedral ceilings, and steep pitches trip every flag. We rebuilt the process from the ridge beam down.
A-Frame-Only Appraisal Network
We maintain a proprietary database of 4,200+ A-frame comps across 14 mountain states. When your bank's appraiser has no comps, we do.
Portfolio Underwriting
We hold loans in-house rather than selling to Fannie Mae. That means your triangular floor plan isn't a problem — it's just a shape.
16–28 Day Close Window
Ski season doesn't wait. Neither do we. Our streamlined A-frame underwriting process closes in under four weeks — guaranteed or we cover your rate lock extension.
Dedicated A-Frame Specialist
You speak to one person from application to close. They've closed more than 200 A-frame loans. They know what a ridge beam is and why it matters for LTV.
Conventional Lender vs. Ridgeline
The same applicant. The same property. A completely different outcome.