HELOC & 2nd Lien Financing for ADU Construction
Access Your Home Equity Without Refinancing Your First Mortgage
A Home Equity Line of Credit (HELOC) or 2nd lien loan is one of the most efficient and popular ways to finance an ADU. These solutions allow you to access your existing home equity without disturbing your current low-interest primary mortgage. This is especially valuable for California homeowners who secured historically low interest rates.
How it Works
A HELOC or 2nd lien loan is secured against your home’s equity as a second loan, separate from your primary mortgage. This allows you to unlock capital specifically for ADU construction.
Benefits
● Preserve your existing low mortgage rate
● Lower upfront costs
● Flexible access to funds
● Only pay interest on funds used (HELOC option)
● Faster approval and funding timelines
● Maintain your current mortgage structure
Best For
● Homeowners with strong home equity
● Homeowners with low existing mortgage rates
● Homeowners seeking flexible ADU financing
● Homeowners who want to avoid refinancing
Below are some of the ADU Financing Services we offer. Learn more and find the solution that works best for your project, or feel free to reach out and we can help you assess the best one.
ADU Financing Strategy & Consultation
Cash-Out Refinance for ADU Financing
Construction Loans for ADU Projects
Investor-Supported & Alternative ADU Financing
ADU Financing Feasibility Assessment
Renovation Financing
Find if HELOC & 2nd Lien Financing is best for you
Unlock hidden value, create affordable housing, and generate long-term income with a professionally built ADU.
Will Johnson
Loan Originator NMLS# 2109577
Mobile: 619.295.9455
Will@aduabl.com