Lenders

While we don’t offer in-house financing options, we’ve taken the initiative to connect our valued customers with reputable lending services that can help fulfill their financial needs. We understand that securing financing can be an essential part of making a significant purchase, and we want to ensure that the process is as smooth and convenient as possible for you.

Common lending options include:

  • Personal Loans
  • Home Equity Line-of-Credit (HELOC)
  • Cash Out Refinance
  • ADU-Specific Loan
  • Modular Building / Land Combination Construction

Lending Partners

Our longest standing trusted partner in the lending industry is Cornerstone Lending.

Key ADU Loan Options with Cornerstone:
  • Renovation Loans: Ideal for attached or garage conversions.
  • Construction Loans: Suitable for detached ADUs, often allowing borrowers to use the anticipated, higher after-construction value of the property.
  • FHA 203(k) Loans: Government-backed renovation loans available.
  • Conventional Financing: Available for, or in conjunction with, ADU projects.

Another of our trusted partners in the lending industry is Banner Bank

Key Aspects of Banner Bank ADU Financing:

  • Borrow up to 97% of the home’s value for specially designated modular homes
  • Finance a primary or secondary residence
  • Finance the land and home together including the foundation, landscaping, and utilities with our all-in-one construction loan.

Another of our trusted partners in the lending industry is US Bank.

Key U.S. Bank ADU Financing Options:
  • Home Equity Line of Credit (HELOC): Allows you to borrow against your home’s equity to finance the ADU.
  • Home Equity Loan: Provides a lump sum to build the ADU.
  • Cash-out Refinance: Replaces your existing mortgage with a new, larger loan, allowing you to use the difference for construction.
  • Construction Loans: U.S. Bank offers one-time close loans, which streamline the process by combining construction and permanent financing into one loan.

Another of our trusted partners in the lending industry is Evergreen Mortgage

Key Aspects of Evergreen Home Loans ADU Financing:
  • Construction Loans: Available for building new ADUs (detached, additions).
  • Renovation Loans: Suitable for converting garages, basements, or other spaces into ADUs.
  • Expert Guidance: Dedicated loan officers help navigate the specialized construction loan process.
  • Local Expertise: Evergreen Home Loans operates primarily in Western states and understands local zoning/building trends.