A home-equity line of credit against your existing equity. Flexible draws match construction progress. Best for owners with strong equity and steady income.
Replace your mortgage with a larger one, take the difference in cash. Best when current rates beat your existing rate — or close.
Short-term loan that converts to a mortgage. Draws released per phase. Best for larger DADU builds and owners with limited equity.
HomeStyle or CHOICERenovation loans wrap the ADU cost into your mortgage based on after-improved value.
Some owners phase the project — shell first, finishes later — to match cash flow. We can structure it.
Honest note: we’re builders, not lenders — we don’t sell financing and we don’t take referral fees from lenders. We’ll tell you what we see working for clients and connect you with local lenders who know ADU projects. Rent projections in your cost planning often make monthly payments pencil out.