Category · Financing
Financing guides.
HELOC, construction loans, cash-out refi, and how to fund an ADU without a $300K bank account.
6 guides
Financing
How ADU Loan Rates Work in 2026
ADU loan rates are not one number. What you pay depends on the loan type, your credit and equity position, and the broader rate environment.
August 28, 2026 · 6 min
Financing
ADU Financing Options for Retirees
Retirees on a fixed income face different financing questions than working homeowners. Here are the main paths retirees use to fund an ADU, and where to get real guidance.
August 26, 2026 · 7 min
Financing
ADU Construction Loan Guide
A construction-to-permanent loan funds an ADU build in stages, then converts into a regular mortgage once the home is done. Here's how it actually works.
August 25, 2026 · 8 min
Financing
How to Finance an ADU Without Cash on Hand (4 Real Paths)
Four practical ways to finance a California ADU when you don't have $200K+ in liquid cash, HELOC, construction-to-permanent loan, cash-out refi, and specialized ADU lenders. Pros, cons, and the math.
August 23, 2026 · 8 min
Financing
California ADU Grant Programs: What Is Actually Available
California has offered ADU grant funding before, but availability changes. Here's the honest, current picture before you plan your budget.
August 1, 2026 · 7 min
Financing
How to Finance an ADU in California (HELOC, Construction Loans & More)
The practical guide to paying for an ADU in California, HELOC vs. construction-to-permanent vs. cash-out refinance, and how most homeowners actually fund their build.
July 30, 2026 · 3 min
Other Categories
Pricing
What an ADU actually costs, how the price is built up, and where the money goes.
Permits
California ADU law, city-by-city permit timelines, and what blocks an ADU build.
Process
Build quality, factory vs site-built, eligibility, and what to expect at each step.
Buying Guide
Comparisons, decision frameworks, and the practical math of building an ADU.
Local Guides
City-by-city permit processes, timelines, and rules across our service area, cited to official sources.
Comparisons
Model-by-model and option-by-option comparisons to help you choose with confidence.
Ready For The Real Numbers?
Let's see what these guides mean for your lot.
Reading is great. Knowing what's actually possible on your specific property is better. Tell us a bit about it below, and a real person on our team will follow up, free, no pressure.
- A shortlist of which models actually fit your lot
- Honest flags on anything property-specific, like slope or septic
- A clear next step, whether that is a factory tour or a feasibility study
- No pressure, and no obligation
Once you submit, a real person on our team reviews your property and follows up within 1 to 2 business days to book your free 30-minute call. No call center, no drip campaign, just a conversation.
After we review your property, we'll invite you out to the factory, or send a member of our team to you, whichever fits your schedule better.
Building more than one? If you're a real estate developer or investor planning multiple units, let us know in the form. We offer better pricing at volume.
We respect your inbox and your phone. Message and data rates may apply, message frequency varies, reply STOP to opt out or HELP for help. See our Privacy Policy and Terms & Conditions.