Dream it, build it

Our short-term ADU HELOC is specifically designed to help homeowners tap into their equity to build an accessory dwelling unit (ADU) or to renovate their home.

Unlike our traditional HELOC – which allows you to borrow up to 90% of your home’s current value (minus any amounts owed), an ADU HELOC allows you to use up to 125% of your home’s current value and 90% of the after-renovation value (minus any amounts owed). We will also consider any projected rental income from the ADU to help you qualify for the loan.

Another benefit is that you do not have to refinance or risk losing a low fixed rate on your first mortgage. The ADU HELOC acts as a second mortgage, and your existing first mortgage terms, rate and payment will remain untouched.

Whether you’re planning a major remodel or want to add more value to your home by building an ADU for your family, we can help.

Financing is just one part of the construction process, but it’s extremely important.

Discuss your full plans with one of our experienced Home Loan Consultants to get started.

Add value to your home with your equity

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Flexible terms

Interest-only payments for 2 years.

Dreams imagined

Build an ADU or remodel your home.

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Quick access to cash

Fast disbursements throughout the build phase.

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Guidance and support

From a Home Loan Consultant.


Variable rate, open-ended loan. Available for properties in CA. Rates Effective 6/5/2023
Amount Loan-to-Value Range of APR1
$10,000 - $400,000 125% as-is value
90% post-construction value
9.25% to 10.00%

Frequently Asked Questions about ADU HELOC

Take the next step
Our Home Loan Consultants are specialized in ADU and home renovation financing and can help you determine if an ADU HELOC is right for you. Find one near you or call 800.358.8228 x1202 to get in touch.

1  Home Equity loans and lines of credit are available on California properties only. 9.250% APR (annual percentage rate) and other terms shown are accurate as of 6/5/2023 and apply to an ADU HELOC for the most qualified applicant at CLTV up to 125%. Not all applicants will qualify for the lowest rate. Eligible on primary residences only. Rates vary based on property value, credit score, line amount and other factors. The minimum periodic payment is interest-only for the first two years (“draw period”) followed by fully-amortizing payments to repay the balance over the final twenty years. No draws will be allowed during the repayment period. Payments and rate can adjust monthly. Payments will increase if rates increase. At the end of the draw period, your required monthly payments will increase because you will be paying both principal and interest. The rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. The current prime index is 8.25. Minimum interest rate is 3%. Maximum interest rate is 17%.

Read the ADU HELOC Program Disclosure.