Flexible Financing Options
for Your Dream ADU
Discover the right financing solution to bring your vision to life.
There Are More Options Than You Think
Find the right solution to finance your ADU
Building an ADU is a significant investment, and one of the most common questions homeowners ask is, “Can I finance this?” The good news is that there are several financing options available, and our team is here to guide you through them. Below are the main financing options you can explore, but if you want personalized advice, don’t hesitate to reach out. Our financing team is ready to help you find the best fit.
Flexible Solutions for Every Budget
Financing Options Breakdown
Building an ADU can be a major investment, but with the right financing option, your dream space is more attainable than ever. Our team is here to help you find the best solution that fits your needs and financial situation.
Home Equity Line of Credit (HELOC)
A HELOC is the most popular financing option for ADU projects. It allows you to borrow against the equity in your home, with a draw period and a repayment period. You’ll only pay interest on what you borrow, making it a flexible and affordable solution.
ADU Bridge Loan
No Equity? No Problem! This loan allows you to borrow the money upfront to build your ADU. After the unit is built, you can pay off the loan with a cash-out refinance or HELOC based on the new value of your property.
Cash-Out Refinance
Unlock Your Equity – This option allows you to refinance your existing mortgage and use the equity to pay for your ADU. It’s a great option for homeowners with significant equity and favorable interest rates.
Renovation or Construction Loan
For homeowners with less equity or those who prefer not to use their home as collateral, a renovation or construction loan may be the right fit. These loans have stricter requirements but offer a non-equity-based solution.
Alternative Financing Options
Additional financing options include personal loans, using retirement accounts, private money loans, or borrowing from family and friends. Our financing experts will help you explore all possible avenues to find the best solution for your needs.
Welcome to all who are considering the construction of an Accessory Dwelling Unit (ADU). I am a dedicated finance professional who has developed proven strategies to finance ADUs.
If you have a goal to build an ADU and are curious about your options for financing, you're in the right place!
Charles Edington
ADU SPECIALIST / FINANCE STRATEGIST
Phone: (801) 819-3125
Email: charles.edington@loanstartech.com
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