Flexible Financing for ADU in Sacramento
An accessory dwelling unit (ADU) is one of the smartest investments you can make in Sacramento right now, whether you’re planning a garage conversion, a backyard cottage, or a junior ADU (JADU) attached to your existing home. But the upfront cost shouldn’t be the thing that stalls your project. Call us at (279) 256-1973 and Russ or a member of our Sacramento team will walk you through exactly what your build will cost and which payment approach fits your situation. We’ve helped Sacramento homeowners work through this since 2010, and the payment conversation is simpler than most people expect.
Payment Options We Offer
Financing Plans
We work with a network of lenders who understand ADU construction, so you can spread the cost of your build over time while the unit starts earning rental income or housing family. Rates and terms vary by lender and your credit profile, but the conversation starts with real numbers, not vague promises. Talk with us and we’ll help you understand what a monthly payment might look like for your specific project.
Major Credit Cards
Some homeowners prefer to put deposits or smaller project phases on a card, and we’re set up for that. Card payments work especially well for garage conversions or smaller JADU projects where the scope and timeline are tight. Just let us know early in the conversation so we can structure the payment schedule around how you want to pay.
Cash or Check
Many Sacramento homeowners are using equity, savings, or a cash-out refinance to fund their ADU, and cash or check payments are straightforward for us to accept. Paying in full or on a simple draw schedule means fewer moving parts and usually a faster closeout. We’ll give you a draw schedule tied to project milestones, so you always know what’s due and when.
Written Price Before Any Work Starts
Whatever payment method you choose, you’ll get your price in writing before the first nail goes in. No change orders at the door, no “we discovered the soil is different” surprise. The Kingswell Way applies to every Lodgewick ADU Sacramento project: say the price before the work, show up in the window given, leave the place cleaner than we found it, put the guarantee in writing, and come back if it fails. That’s how we’ve done it since the Kingswell family of home-service companies launched in 2010, and it hasn’t changed.
Simple Application Process
Applying for financing on your ADU doesn’t need to feel like a mortgage closing. It’s three steps.
First, call (279) 256-1973 and tell us what you’re thinking, a garage conversion in Tahoe Park, a detached unit in Land Park, a JADU off the alley in East Sacramento. We’ll ask about your lot, your goals for the unit, and a rough budget range.
Second, we’ll walk you through a quick pre-qualification conversation with a lender who handles ADU projects regularly. That conversation covers your timeline, credit profile, and what monthly payment range you’re comfortable with. You’ll know quickly whether financing is a fit and roughly what the numbers look like.
Third, choose the plan that makes sense and we’ll fold it into your written estimate. The entire process from first call to a clear payment picture usually takes a day or two, not weeks.
Frequently Asked Questions
Yes. We connect Sacramento homeowners with lenders who regularly finance ADU construction, garage conversions, and home additions. Your interest rate, term, and approval amount depend on the lender and your credit profile, but we help you understand the range before you commit. Call (279) 256-1973 to talk through what financing might look like for your build.
You’ll need standard financial documents: proof of income, recent tax returns or pay stubs, and basic information about your property. The lender will also want to see the project estimate, which we prepare in writing before any application moves forward. That way the loan amount matches the actual work, not a guess.
No. Estimates are free. We’ll come out, look at your lot or garage, talk through what you want, and put a written price in front of you. You’ll also get our 365-Day Done Right Promise in writing on that estimate, if the work isn’t right, Lodgewick comes back and makes it right. Free return visit if the work fails within the guarantee period. Call (279) 256-1973 to schedule yours.
Usually, yes. If you’re working with a Sacramento or California ADU grant, rebate program, or a manufacturer incentive from a brand like Abodu, Cover, Dvele, Mighty Buildings, Boxabl, Plant Prefab, Tuff Shed, or James Hardie, we can typically apply that against the project total before financing covers the remainder. Bring us whatever offer you’re looking at and we’ll figure out how it fits. Call (279) 256-1973 with the details and we’ll tell you straight.
Written by Russ Delmar, Owner at Lodgewick ADU Sacramento, serving Sacramento since 2010.
