ADU Financing Simplified for California Homeowners
The financial side of your ADU build doesn’t have to be complicated. Urbatect is a licensed California design-build expert and your guide through the entire process. We connect you with our trusted, ADU-savvy lending partners so you can compare options, get pre-qualified fast, and keep your project moving.
- Get a free assessment of your project & understand the all in costs
- Get Pre-Qualified for financing
- Talk to a Financing Specialist
Free ADU cost calculator for California Homeowners!
4 Simple Steps with Urbatect : How to Finance Your ADU
Tell Us Your Vision & Understand All-In Costs
Answer a few quick questions about budget, timing, scope, and use (rental or family). We’ll follow up with a consultation and prepare a custom, all-in cost quote.
Get Matched to Lending Partners
We introduce you to ADU-experienced lenders who can discuss HELOCs, cash-out refis, renovation/construction loans, and figure out the best options for you.
Compare, Choose, & Pre-Qualify
Review your options and choose the best fit. We help coordinate documentation so your design, permits, construction and financing stay perfectly synced for a smooth start.
Proceed with Design, Permitting & Construction
With pre-qualification in place, we move into the design-build phase. At the time of the signing up, we can align our payment milestones with the lender-approved draw schedule with physical construction milestones, so you only pull funds when needed (per your lender’s terms).
Why Finance Your ADU with Urbatect's Guidance?
We are experts in the California ADU construction process. This unique perspective allows us to integrate your financial planning directly with design and permitting, saving you time and stress.
1. Understand the All-In Costs
We evaluate your project goals, perform a preliminary feasibility study, and consult with you to provide a single, clear quote. This lets you approach lenders with a firm, lender-ready budget.
2. Vetted Lender Network
We partner only with financing providers who can offer great terms and solutions for our clients, deeply understand California ADU lending nuances, including local permitting timelines, zoning, and how to value your completed ADU ( valuation post ADU construction).
3. Design-to-Construction Friendly Coordination
We sync your financing timeline with the Urbatect Design-Build process. This allows you and your lender to structure payments (draws) that align perfectly with project milestones, optimizing your cash flow.
4. No Sales Pressure
Our only role is to help you compare and choose confidently.
Common ADU Financing Options For California Homeowners
| Option | How It Works for ADUs | Best For |
|---|---|---|
Construction Loan |
Short-term loan based on the improved value of your home (home + completed ADU). Funds are released in stage-based draws as work passes inspection. | Large projects, maximizing borrowing power based on future value. |
HELOC (Home Equity Line of Credit) |
Revolving line of credit tied to your existing home equity. You only pay interest on the amount you draw. | Smaller projects, flexible borrowing, covering soft costs initially. |
Cash-Out Refinance |
Replaces your existing mortgage with a larger one. You take the difference in cash to fund the ADU construction. | Homeowners with significant equity who want a single, low-rate mortgage. |
What Lenders Typically Look For To Finance Your ADU in California
- Home equity & credit profile
- Income and debt-to-income (DTI)
- Property details (zoning, lot, existing structures)
- Appraisal assumptions (existing and/or improved value post ADU construction)
- Project readiness (budget, general timeline, detailed quote from the contractor or all in costs; later: permit status and build contract)
Ready to See Your Options?
Featured Partners
Will Johnson
Construction Loan Broker
ADU Financial Specialist
NMLS #2109577 DRE#
02207239
Tyler Beardshear
Loan Officer
Vice President, Stone Guard
Lending
NMLS | 2093478
Renofi
RenoFi is a financial technology company that provides a lending platform leveraged by credit unions nationwide to offer loans to consumers.
Our Completed ADU Projects
1,000+ Happy Customers.
Real Stories, Real Results.
Posted on Asad Ur RehmanTrustindex verifies that the original source of the review is Google. We have been collaborating with the Urbatect team for a while now in various capacities and it has been great to do business with Urbatect. Everyone is always very professional and respectful. I would definitely recommend to anyone looking for any design work or construction work!Posted on DrewTrustindex verifies that the original source of the review is Google. Great company to collaborate with. We've done several projects together. Things have gone exceptionally well. They've even worked on a high profile and discreet client's project and the process went incredible well.Posted on ImmabjamTrustindex verifies that the original source of the review is Google. great company! They had great designs…I cant wait to work with them again. great communication from their lead John! he was amazing!Posted on Brenda MitchellTrustindex verifies that the original source of the review is Google. Professional and Detailed custom ADU non-detached. The project manager and his team are keeping us informed throughout the process with regular meetings, which is fantastic. The sales executive who presented the product and services to us was knowledgable of city coding regulations etc which was extremely helpful during our decision process.Posted on Omer Mor YosefTrustindex verifies that the original source of the review is Google. Hi, I’m a contractor from Seattle, WA and I want to share with you my experience with Urbatect Development LLC. I had a Garage construction group up project, I looked for a good architect and thanks god I found Eric and his team. They are responsive, polite and professional. The most important thing for me was the fast delivery! They took care of all the little details and I so appreciate it. Whether you are a contractor or a homeowner, You should call Eric and his guys to get help with your project. Much appreciated!Posted on Subhashree SundaramTrustindex verifies that the original source of the review is Google. Absolutely easy and hassle free to work with. We worked with Mayank and the process couldn’t be more seamless. He was responsive and available to clarify questions, timeline updates and in the end provided a high quality deliverables. We’d work with him again if the opportunity arises and happily refer them to anyone else looking for help with their home
Yelp Reviews
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After speaking with several construction companies on getting a permitted ADU built at a property, Urbatect seemed to be the most organized and reasonable in terms of timeline, quality, and... read more cost. Special mention to John Soliz who gave a detailed explanation of the project timeline and really convinced me Urbatect was the right company for my needs. Also, the design project manager Akanksha has been amazing. Akanksha has been timely in getting different steps of the drawings/plans/permits finished and provided me with regular updates and additional information to keep me informed. I look forward to the construction phase and plan to update my review on that part of the process when it is finished.
Nico W.
3/26/2025I worked with Urbatech to plan the construction of an detached ADU in the backyard of my home. I had contacted several ADU construction companies to discuss the process... read more and cost. I found Urbatech to be the very best. My sales consultant, John Stoliz, was outstanding. He was very knowledgeable, patient, a great listener and was very customer focused. He carefully guided my wife and I through the planning process working closely with his team to develop a plan for construction that met our needs. We asked numerous questions and John always responded and did an outstanding job of informing/coaching us on how best to proceed based on our needs. John was always patient with us. We never felt rushed or under pressure to sign a contract. I enjoyed working with John and his team. Outstanding group. I found their pricing to be very competitive as well. I would highly recommend Urbatech for your ADU needs.
Ronald S.
11/27/2024Worked with Urbatect Development to build an ADU in backyard. They worked with us getting the price we wanted as well as including upgrades that were deal breakers for us.... read more I would highly recommend them as they were professional, prompt and extremely amenable to our needs!
Brian S.
10/15/2024 -
I was in a panic. I have been trying for 5 months to simply put in a window through hcd because I have a manufactured home. Endless delays. After being... read more told I could do a quick sketch and attach it to an email to get my permit, I was told that yet again the inspector wanted something else. An engineering stamp. I've put in Windows before and manufactured homes and never had to do this. Plus it was going to cost me $500. I almost think it is because I'm a retired widow. A person I contracted with said he knew someone and of course I didn't hear a word. So I just went out on my own and found Urbatect.com. I formulated a rather verbose text and thought I would probably not hear back from them. To my shock, I got a return email immediately. Not only that they also immediately provided an engineering stamp. I couldn't believe the fast service. Such a relief and I pray I can put my stupid window in at long last. I just moved to Paso Robles and I've been living with this wall in front of me all this time and the new window leaning on it waiting to go in. It's been driving me crazy! Thank you to this accommodating business that no doubt has many more important things to do than my engineering stamp! THANK YOU AGAIN
A MILLION TIMES OVER.
Eric Martinez
Principal
(559) 412-8841
emartinez@urbatect.comDori R.
10/05/2024We are very satisfied with the work that Urbatect has provided us. We have worked together on several engineering projects and the team has always provided us with a superior... read more product at a fair price. Thank You!
Joe P.
9/17/2024 -
Although there was some variability in the people I worked with as a client to Urbatect, I'm going to focus my evaluation on the outstanding engineer I worked with, Jay.... read more He was definitely a bright spot in our experience with Urbatect. He was very competent and responsive. My particular build was an unusual build in that it combined mixing an 1800s barn structure with a modern, traditional framing to meet code. Jay did a great job of working with the two types of build. There were a few details that the builder needed that didn't seem to be in the plans but Jay has always been excellent about responding to those issues in a timely way. It was especially impressive because the build has been happening over time (still on-going), but Jay always seems familiar with the details. He definitely reflected a combination of friendliness and expertise. If you become a client of Urbatect, I highly recommend him as your engineer for your structural plans.
Gary O.
7/26/2024
The Urbatect Advantage
- 1. One-stop Solution With Expert Project Management, Design, Permit & Construction Team.
- 2. Flexible And Customizable Design-build Solutions With Allowances To Choose Your Own Finishes.
- 3. Budget Transparency & Cost Control With Fixed Pricing That Protects Against Labor And Material Cost Increases For 16 Months.
- 4. 25–30% Faster Project Completion Without Compromising Quality.
- 5. Dedicated Permit Technician & 30% Faster Permit Expediting.
- 6. Advanced Technology & 3D Visualization.
What Sets Us Apart
Licensed
& Insured
Call Us Now!
(669) 201-0805
Email Us
Contact@urbatect.com
Book an Appointment
Schedule a free consultation
FAQs
1. Do you charge for connecting me to lenders?
2. What kind of credit score do I need?
3. Can I start the ADU design before financing is finalized?
4. Can I start my ADU with only a pre-qualification & how do I avoid unnecessary costs?
5. Can I start construction before I pull the loan?
6. Will my loan let me draw only when needed?
7. Will lenders consider ADU rental income?
8. How long does financing take?
Yes. We offer both custom design services and build ready ADU plans ready for permits. Whether you want a fully customized layout or a faster, more affordable plan, we help you choose what works best for your property and timeline.
9. What costs should I plan for besides interest?
Yes. We offer both custom design services and build ready ADU plans ready for permits. Whether you want a fully customized layout or a faster, more affordable plan, we help you choose what works best for your property and timeline.
10. Can I roll soft costs into the loan?
Yes. We offer both custom design services and build ready ADU plans ready for permits. Whether you want a fully customized layout or a faster, more affordable plan, we help you choose what works best for your property and timeline.
Note: Compliance & Disclaimers
Urbatect is not a lender, mortgage broker, or financial advisor. We introduce homeowners to independent, licensed lending partners. All loan decisions, terms, and disclosures are provided by the lender. Information on this page is general and not a commitment to lend. Equal Housing Lender statements and required disclosures appear on our partners’ materials.





















































