ADU Loan Options
Every client is different. So we have more than 400 loan options for ADUs to help.
Fixed Rate
Peace of mind of a fixed rate, often at a lower rate than a HELOC. Typically for faster projects
HELOC
Flexibility of drawing what you need, when you need it, and only paying on what you use.
Renovation Loan
Whether purchasing a property or refinancing, you can add the construction budget to your mortgage.
Construction Loan
Whether your buying or already own an empty lot, we can help you build your dreams.
No need to refinance your first mortgage.
Loan amounts of $100,000 - $3,000,000
Rate
Term
Borrowing power
Disbursement
Fixed
15-30 years
Up to 90%
loan-to-value
Full loan amount at closing
No need to refinance your first mortgage.
Loan amounts of $100,000 - $3,000,000
Rate
Term
Borrowing power
Disbursement
Fixed or Variable
15-30 years
Up to 97% of future
loan-to-value
Draws provided as needed during construction
No need to refinance your first mortgage.
Loan amounts of $100,000 - $1,000,000
Rate
Term
Borrowing power
Disbursement
Variable or Fixed
15-30 years
Up to 90%
loan-to-value
Line of credit with checkbook to spend funds
No need to refinance your first mortgage.
Loan amounts of $100,000 - $3,000,000
Rate
Term
Borrowing power
Disbursement
Fixed or Variable
15-30 years
Up to 95%
future loan-to-value
Draws provided as needed during construction
Quick Calculators
Happy Clients
"Meredith is knowledgeable about the ADU construction and loans that we are doing. How are websites of fields of tools that you can use to estimate the cost of your ADU and she’ll get you the competitive rate that you need. She is also a very sweet person I love working with her. Thanks for all your help Meredith."
(Sacramento) Josh on Zillow
"I've been using mortgage program by Meredith few times already, primary, investment property, refinance,etc... I almost forget how many times I do business with Meredith and I always have the best, friendly and fast experience !"
Carlos on Zillow (San Jose)