ADU Financing

A curated directory of vetted resources and builders that help homeowners finance an ADU — construction loans, HELOCs, and grant programs. builders

 

 

  
 

 

  
 

 

  
 

 

  
 

 

  
 

 

  

Frequently Asked Questions

How do I choose a builder for a adu financing project?
Shortlist only contractors who are actively CSLB-licensed (Class B), bonded, and insured, with verifiable recent adu financing projects and real permitting experience. Our directory highlights each builder's specialties, license status, and CSLB number so you can compare confidently — then request an intro to a verified builder matched to your project.
What should I expect from a adu financing builder?
A qualified adu financing builder should provide a fully itemized fixed-price quote (with utility connections named as a line item), handle permitting for you, and collect no more than a $1,000 deposit up front — California's legal cap. Be wary of any "material reservation" or "lumber-lock" fee that pushes your up-front payment higher; that's a red flag for an illegal deposit.
How long does a adu financing project take?
Timelines vary by scope and city review, so be skeptical of anyone guaranteeing a fixed "60-day approval" — that statutory deadline applies only to a complete application and isn't a real-world build timeline. In Los Angeles, custom ADU permitting realistically runs about 3–6 months, with design-to-move-in around 8–14 months. A verified adu financing builder will give you an honest, project-specific schedule.