Ready to add space for family, earn extra income or boost your property value? KeyPoint’s Accessory Dwelling Unit (ADU) Loans make it easy to turn unused space into opportunity.
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ADU Loans FAQs
An Accessory Dwelling Unit (ADU) is an independent living space on your property—like a guest house, a converted garage or an attached suite—ideal for hosting family, accommodating guests or generating rental income.
California law allows homeowners to build an ADU on most residential lots. Check with your local planning department for exact requirements.
Building an ADU can be a smart investment to add value to your home, create rental income or transform unused space into comfortable living for family or guests.
*Rates as of 2/5/2026. Lifetime maximum variable HELOC APR is 16%. Rates offered to approved applicants depend on credit history, loan-to-value ratio and other factors we may lawfully consider. Fees to establish an equity line of credit or fixed-term equity loan typically range from $2,000-3,000. No annual or early termination fee. All loans subject to credit approval. On ADU construction loans, KeyPoint disburses credit advances directly to contractor. Available rates and terms subject to change without notice. KeyPoint Membership required.