Use the existing equity in your home to open a revolving line of credit. This is a popular and flexible option for funding your ADU construction. We can connect you with lenders who specialize in home equity lines of credit (HELOCs) for ADU projects, offering competitive rates and terms tailored to homeowners.

This type of loan bundles the cost of the ADU construction into your primary mortgage, making it a great option if you have less equity. It's based on the future appraised value of your home with the ADU included, allowing you to borrow against the increased worth of your property.

Refinance your current mortgage for a higher amount and use the difference (‘cash out’) to pay for your ADU project. This can be a good choice if you can also secure a lower interest rate, helping you reduce monthly payments while unlocking funds for construction.