Our ADU Loan program provides financing for Accessory Dwelling Unit construction on owner-occupied or non owner-occupied properties when the ADU will be used as a rental.

Lending Criteria & Scenarios:

  • Business Purpose Ground-up Construction Loan
  • We will lend up to 65% LTV/CLTV or After Repair Value (ARV)
  • Single Family or Multi-Family Residences
  • Loan amounts from $100k – $2.5M+
  • Loan term 1 to 5-years with Balloon – Interest Only payments
  • Rates from 8.50% – 2nd’s from 9.50%
  • Funds Control required – Funds available if permits in place or not yet
  • 1 or 2 ADU’s ok
  • Must comply with city and county ADU zoning and ordinances – state laws apply

Why Mortgage Vintage?

  • Same Day Term Sheets – Professional Service
  • Easy Loan Submission, Quick Turnaround, 3-7 Day Funding
  • Fast, Flexible and Transparent Loan Process
  • Over 30 years Financial Industry Experience
  • Funding Based on Committed Terms
  • Surety of funding through CrowdTrustDeed’s simple and secure online marketplace
  • Se Habla Español


Sandy MacDougall

(949) 632-6145