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Accessory Dwelling Unit (ADU) Loan
Unique lending options for our neighbors looking to create an ADU on an existing property.
What is an ADU?
An Accessory Dwelling Unit is a secondary residential living space located on the same lot as a single-family home or within an existing primary residence. ADUs can be a smart way to add flexible living space for family members, generate rental income, or increase property value.
Attached
Attached to a primary residence as a new construction addition.
Detached
Completely detached, like a cottage or converted detached garage.
Attached Interior
Converting a basement or attic space into an apartment.
ADU Lending Benefits
Build with confidence, supported by a local lending team and flexible financing options designed around your project.
Personalized Lending Solutions
We take time to understand your goals and tailor financing to fit your property and timeline.
Multiple Ways to Finance
Choose from mortgage, equity-based, or HELOC options depending on where you are in the process.
Plan Now, Build When You’re Ready
Secure financing early so you can move quickly when permits, plans, and contractors are in place.
Local Team of Lending Experts
Work directly with NESB lending experts who know the communities we serve.
Find the Right Lending Program for Your ADU
Home Mortgage
Let’s partner together and take your vision from design to reality with our Mortgage Program.
- Best for: Homeowners who want predictable payments and long-term financing.
Fixed Equity Program
By working with your existing equity, we can help develop your property to increase functionality, living space, and total value.
- Best for: Homeowners who want a fixed rate and a set repayment timeline.
HELOC Program
Planning on an ADU but still in the early stages? Get your financing solved now so you can move quickly when the time comes.
- Best for: Homeowners who want flexible access to funds as project costs arise.
Upgrade to Your Local Partner
ADUs are a big investment, and you deserve a lender that treats your project like a partnership. With NESB, you’ll work with a local team that understands the communities we serve and will help you move forward with confidence.
Meet The Team of Local Lenders
Our expert team is here to listen, assess your situation, and help design a lending solution that works specifically for you.
Get in Touch with Our Local Team
Do you have questions about an ADU loan? Fill out the form to connect with us.