ADU Loans

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Flexible Financing
Find the option that fits your goals and budget.
Transform Your Property
Make your dreams a reality with an ADU.
Guidance and Support
Expert help at every step.

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.

Home Equity Credit Line

3-Year Fixed Intro APR: 

6.75% - 7.50%*

Indexed APR: 

6.75% - 8.75%*

  • Access funds as your ADU project progresses - perfect for phased construction needs
  • Borrow up to 90% of your home's future value
  • Qualify using up to 75% of projected rental income
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Fixed-Rate Term Loan

Current APRs: 

7.019% - 7.508%*

  • Enjoy predictable payments for the life of your loan
  • Borrow up to 90% of your home's future value
  • Qualify using up to 75% of projected rental income
Apply Now
Take the first step toward more room, more income and more possibilities with KeyPoint!
Get Started Call (877) 888-9634

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.

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* Rates as of 2/12/2026. 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.

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