Before You Apply

What You Need to Discuss Financing an ADU or Remodel

You don’t need everything figured out before the conversation starts. But having a few basics ready helps us point you to the right financing option faster. Here’s what to bring to the table:

1. Your project scope

Know what you want to build — a full remodel, a new ADU, or an addition — and the rough size or rooms involved. A simple list of must-haves versus nice-to-haves gives both us and the lender a clear picture of the project.

2. A realistic budget range

You don’t need an exact number. Even a ballpark range helps size the loan — whether that’s up to $100k or something different. If you’re unsure, we can help you build a realistic estimate during our first conversation.

3. Your property details

Have your property address, ownership details, and a general sense of your home’s value and any existing mortgage balance handy. Lenders use this to understand your equity position.

4. Your financial snapshot

Lenders will look at income, existing debts, and credit standing. You don’t need perfect credit to start the conversation — knowing where you stand helps us match you with the right lending provider from our network of 30+ lenders.

Bring what you have and we’ll help with the rest. The pre-qualification process is quick and easy — and with funding available in as little as 24 hours, your project could be underway sooner than you think.