Our short-term ADU HELOC is specifically designed to help homeowners tap into their equity to build an accessory dwelling unit (ADU) or to renovate their home.
不像我们传统的 HELOC -你可以借到 90% of your home’s current value (minus any amounts owed), an ADU HELOC allows you to use 到 125% 你的房子现在的价值 90% of the after-renovation value (minus any amounts owed). We will also consider any projected rental income from the ADU to help you qualify for the loan.
Another benefit is that you do not have to refinance or risk losing a low fixed rate on your first mortgage. ADU HELOC作为第二抵押贷款, 以及你现有的第一笔抵押贷款条款, 费率和付款将保持不变.
Whether you’re planning a major remodel or want to add more value to your home by building an ADU for your family, 我们可以帮忙.
Financing is just one part of the construction process, but it’s extremely important.
Discuss your full plans with one of our experienced 置业贷款顾问 开始吧.
浮动利率，开放式贷款. 可用于CA中的属性. 2024年4月19日生效
| 量 | 贷款与估值 | APR范围1 | |||||
|---|---|---|---|---|---|---|---|
| 18268 | $10,000 - $400,000 | 125%原值 90%竣工后价值 | 10.00% to 10.75% | 10.00% to 10.75% | 19/04/2024 | 10.00 | 8.5 |
用传统的HELOC, there’s a maximum amount available for you to borrow — the line of credit, 你可以使用长达10年. 首页owners typically tap into their HELOC for immediate needs to pay off high-interest debt, 医疗费用或家庭装修项目. It can also serve as a safety net during emergencies. Having the line available at any time offers security, comfort and flexibility. 用ADU HELOC, 期限要短得多，为2年, 接下来是20年的还款期. The line can only be used for construction purposes such as a home renovation, 改造或增建(ADU). If you need help identifying which type of HELOC is right for you, reach out to a 置业贷款顾问.
在大多数情况下, we can offer financing for 到 125% of your home’s current value – which includes your first mortgage (if any) and your new ADU HELOC. 例如, 如果你的财产价值800美元,你欠600美元,你的第一笔抵押贷款, 你可能有资格获得ADU最高400美元的HELOC,000. ($800,000 x 125% = $1,000,000. $1,000,000 – $600,000 = $400,000.)记住, this depends on several other factors such as your loan approval, 信用记录及收入. 我们建议太阳集团平台的 置业贷款顾问 专门做装修和adu的.
是的. There will be closing costs that range based on your loan amount, along with a lender fee of $250. We will also partner with a construction management vendor and there will be fees paid to them at closing. There is also a monthly fee of $50 for lines 到 $100,如果行数大于100，则为000或100美元,000, 哪一项是在项目完成之前收费的. 我们可以帮你估算成交费用.
adu有很多名字:奶奶公寓, 后院的小屋, 亲家的单位, 二级单位及更多. An ADU (accessory dwelling unit) has its own kitchen, bedroom and bathroom facilities. It can either be attached or detached from the primary residence. ADUs are meant to be an accessory to the main house and are usually smaller in size (and may have specific size limitations set by each city) and located behind or to the side of the primary home.
如果你在加州有房子的话, you are permitted to build at least one ADU or Junior ADU (500 square feet max and attached to the primary residence) if your house falls within a residential or mixed-use zone. 另外, 帮助解决住房短缺问题, ADU laws and regulations have eased over the years and many cities have streamlined their processes to make it easier and more affordable. If you’re considering building an ADU and need financing, speak to one of our 置业贷款顾问 看看什么类型的贷款可能适合你.
有很多! adu不需要额外的土地, 通常是非常划算的, provide passive rental income and increase the overall value of your home. They also give homeowners the flexibility to share independent living areas with family members, by helping aging parents stay close by as they require more care, or provide a private space for adult children to live and rent.
是的 – the entire financing process for an ADU HELOC will take more time than a traditional HELOC. This is mainly due to the complex nature and paperwork required for construction, 建筑许可, 检查及其他. It’s best to have a conversation with one of our 置业贷款顾问 about your project first. They can help you determine if an ADU HELOC is right for you and will then refer you to one of our construction management partners to proceed with an application. 每个项目都是独一无二的，我们在这里提供帮助
Our 置业贷款顾问 are specialized in ADU and home renovation financing and can help you determine if an ADU HELOC is right for you. 在你附近找一个，或者拨打800.358.8228 × 1202联系.
1 房屋净值 loans and lines of credit are available on California properties only. 10.00% APR (annual percentage rate) and other terms shown are accurate as of 04/19/2024 and apply to an ADU HELOC for the most qualified applicant at CLTV 到 125%. Not all applicants will qualify for the lowest rate. 只适用于主要住宅. 利率 vary based on property value, credit score, line amount and other factors. The minimum periodic payment is interest-only for the first two years (“draw period”) followed by fully-amortizing payments to repay the balance over the final twenty years. No draws will be allowed during the 还款 period. 付款和利率可以按月调整. 如果利率上升，支付金额也会增加. 在抽签期结束时, your required monthly payments will increase because you will be paying both principal and interest. The rate is calculated using an index plus a margin. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. 当前质数指数是8.5. 最低利率是3%. 最高利率为17%.
读了 ADU HELOC计划披露.
