ADU-Granny Flat

  Welcome to A great start to begin your ADU build. We’re dedicated to focus exclusively on helping every homeowner explore how to finance an ADU. View and download free plans for San Diego County. Learn more about state and local ordinances. Request a free consultation.


We specialize in financing. Most homeowners can qualify to build an ADU/Granny. Request a free consultation.


Property site evaluation to determine ADU size, design, site conditions, & utilities. Develop basic design & construction budget.


Taylor your design & floor plans to your specific needs. Submit plans to building dept to for permit processing.


Experience matters….in construction, timeline and budget.

ADU-Granny Flat

Taking Care of Family, Creating Income

California has recognized the burden of housing shortage statewide. The scarcity inflates rental costs eliminating affordability. It disproportionately effects lower income families, students and others. The impact cascades into longer commutes adding to costs, pollution and quality of life. In 2017 Calif reacted to impose statewide mandates for Accessory Dwelling Units (ADU) otherwise known as Granny Flats. The statewide mandate removes barriers and reduces overall costs for permitting and construction. These mandates override local building ordinance regulations. Construction of ADUs were impaired from numerous requirements like parking, setbacks, and unreasonable construction costs normally associated with new construction. Numerous bills passed in 2017 & 2018 that significantly improved the viability and cost reductions saving tens of thousands of dollars.

Financing an ADU is foundational to create affordable housing and creating financial security.  

We understand the complexities of construction and the unique characteristics of financing construction projects.  Let our team of experts navigate through the complexities of financing an ADU.  Our commitment and focus allow us to identify the financial solution that meets your financial goals.

We tailor your financing with the lowest cost, monthly payments and needs.

Home financing delivers the lowest overall terms and rates.  Here is our portfolio of solutions.

Your ADU Financing Specialist

Meet Will Johnson

“Financing is the Foundation to building ADUs”. Will shares his passion and commitment to renovation financing since 2009. Will Johnson is a licensed mortgage loan officer specialized and committed to assist clients in creating financing to build ADUs and income properties. Will has a full portfolio of financing to meet the needs of every homeowner and home buyer.

ADUs – Allows construction of an additional living dwelling on a property.  This is applicable for single family and multi-family zone properties.  Can be attached, detached or utilize existing space like garage conversion.  Size limit is 1,200 sf.  Must have direct access to the public street.  Must meet setback requirements.

What’s Driving Demand
Demand is driven from both housing needs and income opportunities. ADUS will add housing to help alleviate housing shortages.   It will also create long term affordable housing.   Homeowners can participate.   You have an affordable housing solution to your aging parents, siblings, young adult children.  If you finance a garage conversion, your mortgage payment will be under $500/mo.  compared to average of $1,500/mo. in the San Diego area.
Income opportunities will draw interest for investment strategies.  Attractive cap rates and instant equity will draw in the seasoned real estate investor.  This will also attract first-time investors and savvy homeowners desiring to diversify their investment portfolio.
What this means Next Step for you
Homeowners – This creates an opportunity to add affordable housing for family or an attractive income stream. 
Homebuyers – Addition of square footage adds value to create equity.
Construction of ADU starts at $80,000 for a garage conversion.  Detached ADU starts at $120,000.  If you don’t have funds, you can consider refinancing a home loan.  Several options exist.  Home equity loans, renovation loans and more.
We are a network of seasoned professionals that collaborate that creates a seamless process that ensures integrity, reliability and cost savings.

We compiled all available financing and can help you navigate through all the financing options.

Types of Accessory Dwelling Units

New, Attached​

Allows new addition up to 50% of square footage of existing dwelling, not greater than 1,200 sf.

New, Detached​

Allows new addition up to 50% of square footage of existing dwelling, not greater than 1,200 sf.

Conversion, Condition

Also known as Jr. ADU, utilizes living areas as an ADU up to 500 sf.

Conversion, Unconditioned​

Typically a garage conversion.

We Can Help

We have a team of professionals to assist every step of the way. From a free initial consultation to financing, planning to construction, we have a coordinated process from an experienced team with you every step of the way. ​Meet our experts to fully understand your needs. We’ll explore the best financing that meets your financial goals. Our Feasibility will evaluate your site, develop plans, determine budget and timeline to completion. Our expertise and teamwork will come in on time and on budget.

Schedule a Free Consultation

  • Renovation Loans
  • Plans
  • Resources: Architects, Contractors, Lender…
Get your questions answered.

Complete the request below to schedule a free phone consultation.

Will Johnson

Will Johnson, portrait 2022

Loan Originator NMLS# 2109577

Mobile: 619.295.9455

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Ridge Capital Group NMLS #1730019.  This advertisement is for general information only.  Some products may not be available in all licensed locations.  Information is subject to change without prior notice at the sole discretion of Ridge Capital Group.  All loan programs are subject to borrowers meeting appropriate underwriting conditions.  This is not a commitment to lend.  Other restrictions apply. Will Johnson – NMLS# 2109577,  DRE # 02207239