LA & OC · ADU Specialists

Your ADU, Start to Finish.
ADU Build Financing Handles Everything.

Permit. Design. Financing. Construction. One team, one process, and no payments for your first 12 months.

150+
ADUs Completed
$0
Down Payment Required
12 Mo
No Payments to Start
LA
County-Wide Service
Our Process

Everything Under One Roof.

We built ADU Build Financing because building an ADU shouldn't require you to juggle five contractors, a lender, an architect, and a permit specialist. We do it all and we don't ask for a dime until your ADU is fully finished and ready to generate value.

1
Free Consultation
We assess your property, your goals, and your financial profile at no cost. You'll know exactly what's possible before committing to anything.
2
Design & Permits
Our in-house architects design your ADU and our permit team navigates every step of LA County and city approval.
3
Financing Secured
We connect you with the right financing options for your situation at competitive rates.
4
Construction
Our licensed builders break ground with precision timelines. We handle inspections, utilities, and everything in between so you don't have to.

No Payments for 12 Months.

We structure every project so that you have a 12-month payment deferral period. That means your ADU can be listed, rented, and earning income before you ever write a check. It's not just construction, it's a wealth-building strategy.

12
Months of deferred
payments included
Why ADU Build Financing

Built Different, From Day One.

Most ADU companies hand you off to three different vendors. We are the vendor: in-house design, financing relationships, and construction under one contract, one timeline, and one point of contact.

🏗
Vertically Integrated
Design, permits, financing, and construction are all internal. No hand-offs, no delays, no markup chains.
📋
LA Permit Experts
We've submitted hundreds of ADU permits across every LA city and county jurisdiction. We know what gets approved, and fast.
💰
Financing for Every Profile
W2 or self-employed, strong credit or rebuilding. We match you to the right product and walk you through every step.
Financing Calculator

Can You Build an ADU?

Answer seven quick questions and we'll show you which financing path makes the most sense for your situation in under two minutes.

ADU Qualification Quiz
Your answers are private and used only to generate your personalized recommendation.
What is your home's estimated current value?
A rough estimate from Zillow or Redfin is fine.
What is your remaining mortgage balance?
Check your latest mortgage statement.
What is your current monthly mortgage payment?
Principal + interest + taxes + insurance (PITI) if known.
Do you currently have a second mortgage or HELOC?
This includes any existing home equity line or second lien on the property.
How do you primarily earn your income?
This affects which loan products you qualify for.
What is your average gross yearly income?
Before taxes. For self-employed, use your annual gross business revenue.
How would you describe your credit?
Needs Work = 669 and below · Good = 670–739 · Excellent = 740+
✓ Analysis Complete

Your Personalized ADU Financing Plan

Let's Talk — Free Consultation

Our team will review your numbers in detail and guide you through the exact steps to get your ADU built.


Our Work

Projects That Speak for Themselves.

Every ADU has a story. Click on any project to read about the homeowner's journey, the financing path we used, and the outcome they achieved.

500 sq ft 1 Bed 1 Bath ADU
1 Bed · 1 Bath · 500 sq ft
Georgeann's Backyard ADU
📍 Los Angeles, CA
A 500 sq ft 1-bed/1-bath ADU built to generate reliable rental income for a retired homeowner, financed through a 3.99% HELOC.
View Story →
400 sq ft Garage Conversion ADU
Garage Conversion · 400 sq ft
Mario's Garage Conversion ADU
📍 Los Angeles, CA
A 400 sq ft garage conversion near UCLA and USC, transformed into premium student housing and financed through a business bank statement loan.
View Story →
600 sq ft 2 Bed 1 Bath ADU
2 Bed · 1 Bath · 600 sq ft
Gregory's Investment Property ADU
📍 Los Angeles, CA
A 600 sq ft 2-bed/1-bath ADU added to an investment property, funded through a home equity share loan that bypasses DTI requirements entirely.
View Story →
750 sq ft ADU - Fountain Valley
750 sq ft · Fountain Valley
Ryan's In-Law ADU
📍 Fountain Valley, CA
A 750 sq ft ADU built to house an aging parent — a thoughtful alternative to assisted living, financed through a 4.49% intro rate HELOC.
View Story →
800 sq ft 2 Bed 2 Bath ADU
2 Bed · 2 Bath · 800 sq ft
Jaime & Cyndie's ADU
📍 Los Angeles, CA
An 800 sq ft 2-bed/2-bath ADU built to generate essential rental income for a family facing a career transition, financed through a home equity share loan.
View Story →
800 sq ft Two-Story ADU
Two-Story · 800 sq ft
Elisa's Two-Story ADU
📍 Los Angeles, CA
An 800 sq ft detached two-story ADU built for a retired homeowner's son as an affordable alternative to buying a first home, financed through a home equity share loan.
View Story →
Contact Us

Let's Build Your ADU.

Leave us your info and one of our ADU specialists will reach out within one business day.

Request a Free Consultation
We'll review your property and walk you through your options at zero cost.
✅ Thanks! We received your info and will reach out within one business day.
We're Based Right Here in LA.

ADU Build Financing is a Los Angeles-based company serving homeowners throughout LA County and Orange County. We know your neighborhood, your local permitting office, and your market, because we live here too.

📞
Phone (626) 783-5252
✉️
Email info@adubuildfinancing.com
🕐
Hours Mon – Fri, 10am – 6pm

Service Areas

We serve all of Los Angeles County and Orange County including: Silver Lake, Echo Park, Los Feliz, Sherman Oaks, Studio City, Culver City, West Hollywood, Santa Monica, Pasadena, Burbank, Glendale, Long Beach, Anaheim, Irvine, Huntington Beach, Fountain Valley, Costa Mesa, Santa Ana, Fullerton, Orange, Garden Grove, and beyond.