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ADU Financing

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Certified Financial Lender

Building an Accessory Dwelling Unit (ADU) is not only a way to expand your living space, but also an investment in your home’s long-term value. At ADU Builders, we understand that financing can be one of the most important parts of your project. That’s why we partner with leading professionals to help homeowners find the best equity programs and funding solutions.

Financing Considerations

Why Financing an ADU is Different

Unlike a standard remodel, an ADU has unique financial advantages:

  • Rental Income Potential – Banks often factor in projected rental income from your ADU when evaluating your loan application.
  • Improved Home Value – Adding an ADU increases the appraised value of your property, strengthening your borrowing power.
  • Multi-Generational Living – Housing parents, children, or caregivers in your ADU adds long-term stability that lenders recognize.


The Advantage of Working with a professional

  • Evaluate your financial circumstances and advise on financing options
  • Connect you with competitive lending programs
  • Help streamline the approval process so you can move forward with confidence


Next Steps

Ready to explore financing options for your ADU?

  • Contact our team to get connected
  • Start building with confidence, knowing your project is financially supported.


Finance Options

1. Home Equity Line of Credit (HELOC)

Tap into your home’s equity with flexible borrowing. A HELOC is a revolving line of credit that allows you to draw funds as needed during your ADU project.

2. Home Equity Loan. Receive a lump sum based on your current home value minus your mortgage balance

If you're looking to update your home or add more space, we can help! Our renovation and addition services include everything from minor updates to major renovations and additions.

3. Cash-Out Refinance. Refinance your existing mortgage into a new loan with a higher balance

We believe in building homes that are not only beautiful, but also energy-efficient. Our team uses the latest technology and techniques to create homes that are both eco-friendly and cost-effective.

4. Personal Loans For smaller ADU projects, an unsecured personal loan may provide fast access to fu

We believe in building homes that are not only beautiful, but also energy-efficient. Our team uses the latest technology and techniques to create homes that are both eco-friendly and cost-effective.

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