Flexible Financing for ADU in San Francisco
An accessory dwelling unit (ADU, or a self-contained living space on your existing residential lot) is one of the smartest investments a San Francisco homeowner can make, but we know the upfront cost is the part that keeps people up at night. Call Lodgewick ADU San Francisco at (707) 760-0502 and we’ll walk you through payment options that fit your timeline and budget. You shouldn’t have to drain a savings account or put off the extra space your family needs. Russ Delmar and our team have been building ADUs, garage conversions (turning an underused garage into livable square footage), and home additions in San Francisco since 2010, and we’ve helped hundreds of local homeowners find a payment path that doesn’t feel like a gamble.
Payment Options We Offer
Financing Plans Through Trusted Lending Partners
We work with established lenders who understand ADU construction and have financed projects across San Francisco’s neighborhoods, from the Sunset to Bernal Heights. The rates and terms vary by project scope and your credit profile, so we won’t quote a number here that might not match your situation. What we can promise: you’ll see the exact financing terms in writing before you sign anything, and the loan funds are typically disbursed in stages as the build progresses, so you’re never paying for work that hasn’t happened yet.
Major Credit and Debit Cards
Plenty of our San Francisco clients prefer to put materials deposits or progress payments on a card, especially when it earns points or cash back. We accept all major cards, and there’s no penalty for using them. Keep in mind that card processing fees can add up on larger projects, so we’ll always show you the math and let you decide what makes sense for your wallet.
Cash, Check, or Bank Transfer
The simplest route is still a good one. We accept personal checks, cashier’s checks, and direct bank transfers. Many homeowners in neighborhoods like Noe Valley and the Richmond District pay for materials in cash and finance only the labor, or vice versa. There’s no required payment formula, we’ll structure the schedule around what keeps your cash flow comfortable.
Up-Front Written Pricing, Always
Whatever payment method you choose, the price itself never moves once we’ve put it in writing. You’ll get a line-item quote before the first nail goes in, and that number is the number. No surprise change orders, no “we discovered something” upcharges halfway through. For a San Francisco ADU build, knowing the all-in cost from day one is the only way to plan honestly.
Simple Application Process
Getting financing set up takes less time than most people expect. First, call (707) 760-0502 and tell us about your project, whether it’s a detached ADU in the Excelsior, a garage conversion near Golden Gate Park, or a home addition in the Mission. We’ll give you a ballpark build cost on that first call, because you shouldn’t have to sit through a sales pitch just to learn what’s realistic. Second, we’ll connect you with a lender for a brief pre-qualification conversation, usually fifteen minutes by phone. They’ll ask about income and credit, and nothing is committed at that stage. Third, once you see your loan options in writing, you choose the plan that fits, and we lock in your construction schedule. That’s the whole process.
Frequently Asked Questions
Yes. We work with lending partners who specialize in residential construction loans for ADUs, garage conversions, and home additions in San Francisco. The exact terms depend on your project scope, credit history, and the lender’s current rates, so we won’t invent a number here. What you’ll get is a clear written breakdown of every financing option available to you, with no pressure to commit. Call (707) 760-0502 and we’ll walk you through what’s realistic for your situation.
You’ll need basic documentation: proof of income, a rough idea of your credit score, and the address of the property where the ADU will be built. You don’t need to know anything about construction, that’s our job. The lender will ask some questions, and then they’ll present you with options. Most San Francisco homeowners complete the pre-qualification step in a single phone call. We can coordinate the paperwork so you’re not chasing down forms yourself. Call (707) 760-0502 to get started.
No. Estimates are free, always. We’ll visit your San Francisco property, look at the lot and the existing structure, and give you a written, line-item price. There’s no obligation and no deposit required just to get the numbers. Russ Delmar has walked plenty of San Francisco lots where the project never went forward, and that’s fine by us. You deserve to know what an ADU, garage conversion, or home addition will cost before you decide anything. That’s part of The Kingswell Way: say the price before the work.
Yes, in most cases. Any current promotion or project discount you qualify for is applied to the total project cost before the financing is calculated. We don’t play games where the “cash price” is lower than the “financed price.” The number we quote is the number, and your loan covers the actual cost. If you’re considering an ADU build in San Francisco and want to see how financing would work with our current pricing, call (707) 760-0502 and we’ll give you straight answers on the first call.
Written by Russ Delmar, Owner at Lodgewick ADU San Francisco, serving San Francisco since 2010.
