Funding options for your ADU.
Find the perfect funding for your ADU project with options designed to suit your needs.
Three lenders. One right answer.
Most homeowners get pitched a single product by their bank. Our partners specialize in ADU-specific products — HEA, HEI, and HELOC — so you can pick what fits your timeline, budget, and risk tolerance.
Without smart financing
The default play
- × Use cash reserves and lose liquidity
- × Conventional construction loan with monthly payments mid-build
- × High-interest personal loans or credit cards
- × Wait years to save before starting
- × Get pitched a single product by your bank
With LADU partners
Three lenders, three products
- Three vetted partners — pick what fits
- Options with no monthly payments available
- Creative solutions based on your unique needs
- Ability to tap home equity without traditional debt
HEA by Unlock Technologies
Access your home equity without monthly payments
Unlock offers a straightforward way to tap into your home equity without monthly payments or high-interest loans.
By agreeing to share a portion of your home's future value, you get cash today to finance your ADU project, enhancing your property's utility and value. Investment properties eligible.
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No monthly payments
Access your home equity without the burden of monthly repayments, offering financial flexibility during the tenure of the agreement.
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Non-loan financing
Gain cash upfront without traditional debt or concerns about interest rates, reducing financial stress.
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Equity-based returns
Your repayment adjusts with the market value of your home, ensuring a fair share of its future appreciation or depreciation.
HEI by Aspire
Access Up To $250K
Aspire offers a Home Equity Investment (HEI) that allows homeowners to access up to $250,000 from their home equity without monthly payments or accruing debt.
This financial product is not a loan; instead, it involves exchanging cash today for a share of the home's future value change.
Aspires HEI is designed to provide financial flexibility, allowing funds to be used for various purposes like debt repayment, home improvements, or funding education, with the option for homeowners to settle the agreement at their convenience.
Owner occupied only, investment properties not eligible. Up to 30 year term.
Immediate funds
Access from your home equity without monthly payments.
No loan needed
Receive cash in exchange for a percentage of your home's future value.
Flexible use
Utilize the funds for a variety of use cases.
Settlement freedom
Settle the investment at a time that suits you.
Home Equity Line of Credit by NFTYdoor.
Home Equity Line Of Credit (HELOC)
Powered by NFTYdoor, A HELOC provides flexible access to your home equity with a revolving credit line.
Use this funding to manage the costs associated with constructing or upgrading your ADU, ensuring you have the financial flexibility to complete your project without the constraints of a traditional loan.
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Revolving credit
Access funds as needed from your approved credit limit, paying interest only on the amount you use, offering continuous financial flexibility.
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Tax-deductible interest
Potential tax benefits as the interest paid on a HELOC may be tax-deductible if used for home improvement or purchase purposes
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Flexible access to funds
Draw from your HELOC as needed for ongoing projects or unexpected expenses, providing you with financial adaptability throughout the draw period.
A licensed engineer on your lot, free.
30 minutes. We walk the property, figure out what's feasible, and answer any questions you have.
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Explore all of our services.
One accountable team for every step of your ADU project — from initial sketches and city permits to financing, construction, and legalization.
ADU Design
Our ADU design team works closely with each client to create adaptable layouts that fit your site, lifestyle, and goals.
Learn more →ADU Building Permits
We manage every ADU building permit, drawing, document, and approval with your city and county — start to finish.
Learn more →Legalizing Unpermitted ADUs
We help you navigate the legalization process for your existing ADU, ensuring compliance and securing permits.
Learn more →ADU Construction
We oversee the full construction process with care, skill, and clear communication, turning your plan into a beautiful ADU.
Learn more →Prefab ADUs
Save money and build faster with a modular ADU. Factory-built, site-installed, and ready in months — not years.
Learn more →ADU Financing
We work with multiple ADU-specific lenders so you can find the right financing — HEA, HEI, HELOC, or construction-to-perm.
Learn more →