Unlock the full potential of your property with an affordable, custom Accessory Dwelling Unit from Premier ADU Builders. We provide clear, upfront pricing tailored to your lot, design goals, and timeline—so there are no surprises. While final costs vary with size, finishes, and site conditions, our streamlined process keeps rates competitive without ever compromising on craftsmanship. From your free feasibility check to the moment we hand you the keys, our team partners with you to create a budget-smart plan that meets the highest construction standards. With open, honest communication at every step, you’ll always know exactly where your project stands. Start turning your backyard into valuable living space today—your ideal ADU is closer (and more affordable) than you think!
Why Our Financing Beats the Rest
Based on ARV*
Borrow up to 90 % ARV
No refinance required
No inspections / draws
Premier ADU Loan
Cash Out Refi
HELOC
Construction Loan
Flexible Financing Options for Your ADU Project
Cash-Out Refinance
Ideal for homeowners with substantial equity and a current interest rate close to today’s market rates. This first mortgage replaces your existing loan and is also commonly used when a property is fully or nearly paid off.
HELOC (Home Equity Line of Credit)
A popular option for ADU projects, a HELOC is a second mortgage that allows you to keep your current mortgage unchanged. It gives you flexible access to your home equity as needed—similar to a credit card, but typically with much lower interest rates. Since payments are based on your balance, it helps keep costs down during construction.
Home Equity Loan (HELoan)
Also a second mortgage, but unlike a HELOC, this loan provides a lump sum upfront. It often comes with a fixed rate and terms up to 20 years. Monthly principal and interest payments begin immediately once the funds are disbursed.
Renovation Loans
These loan products take into account the future value of your ADU, allowing for higher borrowing limits. Renovation loans can come in the form of cash-out refinances, HELOCs, or HELoans.
Construction Loans
Used mainly for properties without existing structures, this first mortgage replaces your current mortgage. It’s a strong option when starting a project from the ground up.
Unsecured Financing Options
Personal Loans
Best for smaller projects under $100K or when you need to cover a funding gap due to limited equity.
Retirement Fund
Depending on your plan, you may be able to borrow from or withdraw funds. Check with your provider for any potential penalties or rules.
Sell An Existing Property
Leverage your existing home’s equity with a HELOC, build the ADU, and then sell the property to repay the loan.
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