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ADU HELOC

建造一个附属住宅单元(ADU)或开始一个家庭装修项目. Learn more below.

Variable Rate

Starting at 10.00% APR1

Term

2-year interest only

20-year repayment

Line Amount

$10,000 up to $400,000

Dream it, build it

我们的短期ADU HELOC是专门为帮助房主利用他们的资产建造附属住宅单元(ADU)或翻新他们的房屋而设计的.

Unlike our traditional HELOC – which allows you to borrow up to 90% 你的房子的当前价值(减去所欠的任何金额)，一个ADU HELOC允许你使用高达 125% of your home’s current value and 90% 翻新后的价值(减去所欠款额). 我们还将考虑ADU的任何预计租金收入，以帮助您获得贷款资格.

另一个好处是，你不必再融资，也不必冒着失去第一笔抵押贷款低固定利率的风险. The ADU HELOC acts as a second mortgage, and your existing first mortgage terms, rate and payment will remain untouched.

无论您是计划进行重大改造还是想通过为您的家庭建造ADU来增加房屋的价值, we can help.

融资只是建设过程的一部分，但它极其重要.

与我们经验丰富的人讨论您的完整计划 Home Loan Consultants to get started.

Add value to your home with your equity

Flexible terms

Interest-only payments for 2 years.

Dreams imagined

Build an ADU or remodel your home.

Quick access to cash

Fast disbursements throughout the build phase.

Guidance and support

From a Home Loan Consultant.

ADU HELOC Rates

Variable rate, open-ended loan. Available for properties in CA. Rates Effective 06/07/2024

AmountLoan-to-ValueRange of APR1
18268$10,000 - $400,000125% as-is value
90% post-construction value		10.00% to 10.75%10.00% to 10.75%07/06/202410.008.5

Frequently Asked Questions about ADU HELOC

  • With a traditional HELOC, 你可以借到的金额是有上限的——信用额度, which you can use for up to 10 years. 房主通常会利用他们的HELOC来偿还高息债务, medical expenses or home improvement projects. 它还可以在紧急情况下充当安全网. 在任何时候都有这条线路提供了安全、舒适和灵活性. With an ADU HELOC, the term is much shorter with a 2-year draw, followed by a 20-year repayment period. 这条线只能用于房屋装修等建筑用途, remodel or addition (ADU). 如果您需要帮助来确定哪种类型的HELOC适合您，请联系a Home Loan Consultant.

    In most cases, 我们可以为您的房屋提供高达当前价值125%的融资-包括您的第一笔抵押贷款(如果有的话)和您的新ADU HELOC. For example, if your property is worth $800,000 and you owe $600,000 on your first mortgage, you may be eligible for an ADU HELOC up to $400,000. ($800,000 x 125% = $1,000,000. $1,000,000 – $600,000 = $400,000.) Keep in mind, 这取决于其他几个因素，比如你的贷款审批, credit history and income. We recommend connecting with one of our Home Loan Consultants who specializes in renovations and ADUs.

    Yes. 根据你的贷款金额，还有250美元的贷款费用. 我们还将与施工管理供应商合作，并将在成交时向他们支付费用. 对于100美元以下的排队，每月也有50美元的费用,000 or $100 for lines greater than 100,000, which is charged until the project is completed. We can help you estimate your closing costs.

    ADUs have been known by many names: granny flats, backyard cottages, in-law units, secondary units and more. ADU(附属住宅单位)有自己的厨房、卧室和浴室设施. 它既可以与主住宅相连，也可以与主住宅分离. adu是主屋的附属设备，通常尺寸较小(每个城市可能有特定的尺寸限制)，位于主屋的后面或旁边.

    If you own a home in California, 如果你的房子位于住宅或混合用途区内，你可以建造至少一个ADU或Junior ADU(最大500平方英尺，与主要住宅相连). Additionally, to help with the housing shortage, 多年来，ADU的法律法规已经放松，许多城市已经简化了流程，使其更容易、更实惠. 如果您正在考虑建造ADU并需要融资，请与我们的 Home Loan Consultants to see what type of loan may be right for you.

    There are many! ADUs do not require additional land, are often very cost-effective, 提供被动租金收入，增加房屋的整体价值. 它们还为房主提供了 灵活性 ，可以与家庭成员共享独立的生活区域, 当年迈的父母需要更多的照顾时，帮助他们陪伴在身边, 或提供私人空间供成年子女居住和出租.

    是的，ADU HELOC的整个融资过程将比传统的HELOC花费更多的时间. 这主要是由于建筑的复杂性质和所需的文书工作, building permits, inspections and more. 最好先和我们的住房贷款顾问谈谈你的项目. 他们可以帮助您确定ADU HELOC是否适合您，然后将您转介给我们的施工管理合作伙伴之一，以继续申请. Each project is unique and we’re here to help

Take the next step

我们的房屋贷款顾问专门从事ADU和房屋装修融资，可以帮助您确定ADU HELOC是否适合您. Find one near you or call 800.358.8228 x1202 to get in touch.

Find a Consultant Take the next step

1  房屋净值贷款和信用额度仅适用于加州房产. 10.截至2024年6月7日，00%年利率和其他条款是准确的，适用于ADU HELOC, CLTV最合格的申请人最高可达125%. 并不是所有的申请人都有资格享受最低利率. Eligible on primary residences only. 利率根据财产价值、信用评分、额度和其他因素而有所不同. 最低分期付款是头两年(“提款期”)只付利息，然后在最后二十年全额分期偿还余额. 在还款期间，恕不提款. Payments and rate can adjust monthly. Payments will increase if rates increase. At the end of the draw period, 你的月供将会增加，因为你将同时支付本金和利息. 汇率是用指数加保证金计算的. 所使用的指数是变动前一个月最后一个工作日《太阳集团平台》西部版公布的最优惠利率. The current prime index is 8.5. Minimum interest rate is 3%. Maximum interest rate is 17%.

Read the ADU HELOC Program Disclosure.

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