ADU Construction

ADU Financing

ADU financing options in San Diego.

Expert San Diego ADU Financing

Peak Builders & Roofers of San Diego provides professional adu financing services throughout San Diego. Our experienced team delivers quality workmanship and reliable results for every project. We understand the specific needs of San Diego homes and tailor our approach accordingly.

Our Commitment

We stand behind our work with clear communication, fair pricing, and attention to detail. Every project receives the same level of care, from initial consultation through final walkthrough. Your satisfaction is backed by our warranties and responsive service team.

TRUSTED BY SAN DIEGO HOMEOWNERS

Our Credentials & Reviews

★★★★★

5.0 Rating

★★★★★

5.0 Rating

Preferred Contractor

A+ Rating

★★★★★

5-Star Business

NRCA Member

Our Process

Your project, our proven process.

From initial consultation to final walkthrough, we make your home transformation seamless and stress-free.

Free Consultation

We visit your home, discuss your vision, and provide a detailed estimate with no obligation.

Design & Planning

Our team creates custom plans and handles all permits with the city of San Diego.

Expert Construction

Licensed craftsmen bring your project to life with quality materials and workmanship.

Final Walkthrough

Inspection, quality assurance, and warranty coverage ensure your complete satisfaction.

Questions

Financing FAQs

Home equity loans (HELOCs) are most common—they use your existing equity and have lower rates than construction loans. Cash-out refinancing works well when rates are favorable.

Some lenders will count 75% of projected rental income toward qualification. Fannie Mae's ADU-specific guidelines have made this increasingly common.

Most lenders want to see 15-20% equity remaining after the ADU loan. If your home is worth $600K with a $300K mortgage, you may access $120-150K for an ADU.

Construction-to-permanent loans work well for larger ADUs. You draw funds as construction progresses, then convert to a regular mortgage. Rates are typically higher than HELOCs.

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