Senior ADU

KeyPoint provides financing for Additional Dwelling Units (ADU)—an independent residential dwelling unit located on the same lot as a detached single-family home.  They are often new, stand-alone accessory structures specifically designed to help an aging loved one.

Here are the terms of the KeyPoint Senior ADU mortgage:

  • Fixed Rate Second Mortgage
  • Loan amounts up to $250,000 and up to 80% of the home’s value (includes existing 1st lien and new 2nd lien)
  • Minimum loan amount is $20,000
  • Minimum 640 credit score.  Best pricing is 700 and above.
  • Up to 50% Debt to income ratio
  • Payment term options


All loans subject to credit approval.