How do I finance my ADU project?

There are several ways to finance your ADU project.

  • Personal Funds
  • Cash out refinance your existing mortgage on the primary residence
  • Home Equity Line of Credit on the existing primary residence
  • Construction/Remodeling Loan
  • CAL HCFA $40,000 ADU Grant
  • Private or “Hard Money” Lender
  • Park Model RVs have specialized lenders, similar to financing and automobile.
  • Home Renovations Loan
  • Reverse Mortgage

Lender Partners

MyADU4Less works with several lender partners to assist our clients with funding for their ADU project.

Our clients are not required to use one of our lender partners for financing.  However, our partners are very familiar with prefabricated construction projects

Cash Out Refinance/ / Home Equity Loans


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Reverse Mortgages:


Pacifica Mortgage & Real Estate Company
Email –
Phone: 949-233 2877
NMLS # 352051, CBRE # 01242599

Land/Construction/Home Renovations Loans/CALHFA Grant Land/Home Financial

Land Home Financial

Land /Construction Loans

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Cash Out Refinance/ Home Equity Loans /Construction Loans

David Church IFC Mortgage 326 Encinitas Blvd, Ste 200 Encinitas, Ca 92024 O: 760.943.6777 F: 760.94 3.6767


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