Flexible Financing Options

Fund Your ADU
With Confidence.

We've partnered with the nation's most trusted lenders to make financing your backyard home simple, fast, and transparent.

Homeowners reviewing ADU financing options and building plans with a Betters ADU advisor.

Competitive Rates

Starting at 6.99% APR with our trusted lending partners.

Fast Approvals

Get pre-qualified in 2 minutes with decisions in 48 hours.

Flexible Terms

Choose from 5 to 30-year repayment terms.

Expert Guidance

Our financing team handles all the paperwork for you.

Popular Financing Options

Choose What Works For You

HELOC

HELOC

From 7.5% APR

A Home Equity Line of Credit lets you borrow against your home's equity with a revolving credit line. Draw funds as needed during construction.

Best for:

Homeowners with significant equity who want a flexible line of credit.

Example Lenders
RenofiAvenUS Bank
Cash-Out Refinance

Cash-Out Refinance

From 6.5% APR

Refinance your existing mortgage for more than you owe and use the difference to fund your ADU project. Lock in a fixed rate for the full amount.

Best for:

Homeowners looking to lower their existing rate while funding their ADU.

Example Lenders
ChasePenfedGolden1
Construction Loan

Construction Loan

From 8.5% APR

A short-term loan that covers construction costs, converting to a permanent mortgage once your ADU is complete. Interest-only payments during construction.

Best for:

Homeowners who need short-term financing during the build phase.

Example Lenders
US BankNavy FederalWintrust
Our Lending Partners

Trusted Lenders & Credit Unions

We work with a network of the nation's most reputable lenders and credit unions to ensure you get the best rates and terms for your ADU project.

Not sure which option is right for you?

Our financing experts will help you explore the best solution for your unique situation. We'll compare rates, terms, and lenders to find the perfect fit.

Speak With an Expert

Let's Finance Your Dream ADU

Book a free consultation with our financing experts. No obligation, no credit check.