Bring a summary, not a loan application
- Where is the California property, and do you own it?
- Is the ADU for family, personal space or a potential rental?
- Are you researching, comparing quotes or ready to explore financing?
- What is your desired timing?
- Do you have a complete written quote or only a prefab unit price?
Approximate figures can help frame a conversation. Keep detailed borrower documents for the lender’s appropriate secure application process. Do not enter Social Security numbers, credit reports or bank statements in our inquiry form.
Ask how the financing works
A HELOC allows repeated borrowing against home equity under its terms. It is secured by your home, and rates are usually variable. Ask about the draw period, minimum draws, fees and how repayment changes after borrowing ends. Payments can rise; failure to repay can put your home at risk. See the CFPB HELOC explanation.
Use these questions to compare an offer
- What approved limit, rate structure and total fees apply to my situation?
- What valuation and borrower information will the lender need?
- When could funds be accessed, and what draw restrictions apply?
- How might the payment change as rates change or repayment begins?
- How would this obligation fit with my existing mortgage and other expenses?
Check the project funding gap
Compare the proposed funds with the whole project scope. For example, if a quote excludes utility work or installation, an approved amount covering that quote alone may still leave an unfunded gap. Ask the provider to price exclusions and explain deposits, milestones and change orders. Our budget checklist helps structure that review.
Can future ADU rent qualify me?
Ask the lender what income its specific product can accept and which evidence is required. Do not assume a projected rental will qualify you or make the repayment affordable. Rental income, occupancy and returns are uncertain. The intended use also needs appropriate project review.
What happens after I inquire?
An ADU Fund Co representative will reach out within 24 hours. You can request contact or, after saving your inquiry, choose a call time through our booking page. Clicking the booking link is not a reservation; the calendar must confirm the appointment. Financing eligibility and approval are determined by the financing provider.
What if I am only researching?
You can begin with questions. Read our HELOC for an ADU guide and financing comparison guide before deciding whether to pursue an application.
Sources & scope
Sources checked October 10, 2026. General educational information, not an individual financing recommendation. Loan terms and approval are determined by the lender. ADU Fund Co helps with initial inquiries and next steps.