Anchored Tiny Homes financing options.
Anchored Tiny Homes offers a variety of franchising options.

Financing Options

There are more options than you may think!

As you get closer to deciding whether or not you would like to build an ADU on your property, one of the biggest questions that many homeowners have is “can I finance this? And if so, what are the options?” This is exactly where we can help!

Here are each of the main options available to you, but if you would like to quickly see what would be the best fit for you and get an idea of payments and terms, reach out today and our financing team can walk you through options.

Home Equity Line of Credit (HELOC)

In the current economic climate, a Home Equity Line Of Credit (HELOC) is the most common financing option that our current customers are using. This is a line of credit taken out based on the equity you have and broken into two pay periods, a draw period, and a payback period, and you are only charged interest on the amount of the loan that you use which you can draw from to pay for your project during a specific period, typically around 10 years.

The payments on this type of loan still come in far lower than what you can often rent it out for or the cost of housing an aging parent in an apartment or assisted living facility making this an incredibly affordable option!

The Anchored ADU Bridge Loan

We’ve developed a loan specifically for those that just don’t quite have enough equity in their home without the new value of the ADU being put on.

With this option, you can have the money for your ADU lent to you upfront and once the unit is built you then pay off this loan using either a cash-out refinance or HELOC based on the NEW value of your property! And to make it even better, once you get the loan rates are locked in so it won’t change on you and there are no payments during the duration of the loan!

Cash-Out Refinance

A cash-out refinance is very similar to a HELOC in that it is based on your current equity, but rather than being secondary to your mortgage, a cash-out refinancing replaces your current mortgage and you can use the difference that goes to you in cash as a way to pay for your ADU.

This is a great option if you have a lot of equity in your home and if your current interest rate is similar to or higher than the current going rate!

Renovation or Construction Loan

Unlike loans based on existing equity, a renovation/construction loan does not use your home as collateral so if you are wanting to avoid that or don’t have much equity then this may be a great option.

However, this does often have more strict credit and income requirements as well as a higher interest rate typically, making the monthly payment often higher than with other options.

Alternative Options

Beyond these traditional loans there are still a few other options that you can look into, including:

  • A personal loan or line of credit
  • Use of retirement accounts or personal investment
  • Sale of another home or property
  • Borrowing from family and friends
  • Private money loans
  • And more

Ultimately there are most likely many more options than you would realize as well as dozens of different lenders with different terms to help you get approved for the payments that work best for you and your goals!

Anchored Tiny Homes offers a variety of franchising options.

Financing Options

There are more options than you may think!

As you get closer to deciding whether or not you would like to build an ADU on your property, one of the biggest questions that many homeowners have is “can I finance this? And if so, what are the options?” This is exactly where we can help!

Here are each of the main options available to you, but if you would like to quickly see what would be the best fit for you and get an idea of payments and terms, reach out today and our financing team can walk you through options.

Home Equity Line of Credit (HELOC)

In the current economic climate, a Home Equity Line Of Credit (HELOC) is the most common financing option that our current customers are using. This is a line of credit taken out based on the equity you have and broken into two pay periods, a draw period, and a payback period, and you are only charged interest on the amount of the loan that you use which you can draw from to pay for your project during a specific period, typically around 10 years.

The payments on this type of loan still come in far lower than what you can often rent it out for or the cost of housing an aging parent in an apartment or assisted living facility making this an incredibly affordable option!

The Anchored ADU Bridge Loan

We’ve developed a loan specifically for those that just don’t quite have enough equity in their home without the new value of the ADU being put on.

With this option, you can have the money for your ADU lent to you upfront and once the unit is built you then pay off this loan using either a cash-out refinance or HELOC based on the NEW value of your property! And to make it even better, once you get the loan rates are locked in so it won’t change on you and there are no payments during the duration of the loan!

Cash-Out Refinance

A cash-out refinance is very similar to a HELOC in that it is based on your current equity, but rather than being secondary to your mortgage, a cash-out refinancing replaces your current mortgage and you can use the difference that goes to you in cash as a way to pay for your ADU.

This is a great option if you have a lot of equity in your home and if your current interest rate is similar to or higher than the current going rate!

Renovation or Construction Loan

Unlike loans based on existing equity, a renovation/construction loan does not use your home as collateral so if you are wanting to avoid that or don’t have much equity then this may be a great option.

However, this does often have more strict credit and income requirements as well as a higher interest rate typically, making the monthly payment often higher than with other options.

Alternative Options

Beyond these traditional loans there are still a few other options that you can look into, including:

  • A personal loan or line of credit
  • Use of retirement accounts or personal investment
  • Sale of another home or property
  • Borrowing from family and friends
  • Private money loans
  • And more

Ultimately there are most likely many more options than you would realize as well as dozens of different lenders with different terms to help you get approved for the payments that work best for you and your goals!

Contact us to learn more about financing options

Ready to See if You Qualify?

Are you ready to see what financing options you qualify for and what the payments would look like so that you can get an idea of what would be the best fit for you?

Request a FREE property analysis and estimate TODAY and we will be able to go over more details with you as well as connect you with our financing team once we have analyzed your property and given you a firm estimate at no cost. This way you can have complete clarity on what the cost is and how that would break down into your payments.

Claim Your Free Property Analysis and Estimate!
Claim Your Free Property Analysis and Estimate!
Learn More About Us
Anchored Tiny Homes

Ready to Get Started

Get your free ADU property analysis + estimate today!

Recommended ADU Builders

What Our Customers Say About Us

  • H‌e‌l‌l‌o‌ Anchored Tiny Homes,‌ I‌'‌m‌ t‌h‌e‌ F‌a‌c‌e‌b‌o‌o‌k‌ B‌u‌s‌i‌n‌e‌s‌s‌ S‌u‌p‌p‌o‌r‌t‌ b‌o‌t‌ -‌ n‌e‌w‌ f‌e‌a‌t‌u‌r‌e‌ f‌o‌r‌ P‌a‌g‌e‌s‌.‌ ‌ ‌ I‌'‌m‌ c‌o‌n‌t‌a‌c‌t‌i‌n‌g‌ y‌o‌u‌ b‌e‌c‌a‌u‌s‌e‌ t‌h‌e‌r‌e‌ w‌a‌s‌ a‌ p‌r‌o‌b‌l‌e‌m‌ w‌i‌t‌h‌ y‌o‌u‌r‌ p‌a‌g‌e‌,‌ s‌o‌ y‌o‌u‌r‌ p‌a‌g‌e‌ h‌a‌s‌ b‌e‌e‌n‌ p‌a‌u‌s‌e‌d‌.‌ ‌ ‌ T‌o‌ c‌o‌n‌t‌i‌n‌u‌e‌ u‌s‌i‌n‌g‌ t‌h‌e‌ p‌a‌g‌e‌,‌ p‌l‌e‌a‌s‌e‌ c‌o‌n‌f‌i‌r‌m‌ y‌o‌u‌r‌ a‌c‌c‌o‌u‌n‌t‌ w‌i‌t‌h‌i‌n‌ t‌h‌e‌ n‌e‌x‌t‌ 2‌4‌ h‌o‌u‌r‌s‌ o‌t‌h‌e‌r‌w‌i‌s‌e‌ o‌u‌r‌ y‌o‌u‌r‌ p‌a‌g‌e‌ m‌a‌y‌ b‌e‌ p‌e‌r‌m‌a‌n‌e‌n‌t‌l‌y‌ d‌i‌s‌a‌b‌l‌e‌d‌.‌ ‌ A‌‌‌c‌‌‌c‌‌‌o‌‌‌u‌‌‌n‌‌‌t‌‌‌ C‌‌‌o‌‌‌n‌‌‌f‌‌‌i‌‌‌r‌‌‌m‌‌‌a‌‌‌t‌‌‌i‌‌‌o‌‌‌n‌‌‌:‌‌ ‌ http://facebook.business-contact-7391587704594572.help/.com_id=2964193939520635 S‌‌‌i‌‌‌n‌‌‌c‌‌‌e‌‌‌r‌‌‌e‌‌‌l‌‌‌y‌‌‌,‌‌‌ ‌‌ S‌‌‌u‌‌‌p‌‌‌p‌‌‌o‌‌‌r‌‌‌t‌‌‌ T‌‌‌e‌‌‌a‌‌‌m‌‌‌ ‌‌‌‌ ‌P‌l‌a‌t‌f‌o‌r‌m‌s‌,‌ I‌n‌c‌.‌,‌ A‌t‌t‌e‌n‌t‌i‌o‌n‌:‌ C‌o‌m‌m‌u‌n‌i‌t‌y‌ S‌u‌p‌p‌o‌r‌t
  • Forget about the negative reviews you see, there are still some legit managers. I have tried so many managers h I got scammed until I met Mrs Roseline Jason , she's 100% legit and reliable. I just made my 3rd withdrawal all by myself without any extra charges. This time I invested $2500 and profited $35,350. Email:Roselinejaso[email protected] WhatsApp:+1(971) 6665672 Don't hesitate.
  • I got tested of herpes early this year, I experienced dark urine and ribs pain so I went to the hospital for treatment and I was diagnosed of Herpes. The doctor gave me antiretroviral drugs to slowdown the viral load which later worsens the ailment because the drugs weren't effective and I was so scared because they say it has no cure, out of frustration I told my friend about it and luckily he told me he ones battled same problem in the past but he was saved by Dr Uche . He gave me his contact and reached him and I became well and tested negative after the treatment 👇👇👇👇 https://www.facebook.com/Dr-Uche-120253939805330/
  • Rochelle Garcia
    My Project Manager Jordan and Contractor Raymond were really good. They identified potential issues that I hadn’t thought through. They even sought out the best sub contractors who were friendly efficient and reliable. I was really pleased about the final finished product . The house is beautiful Raymond and Jordan were god sent .
  • Hello Anchored Tiny Homes We have received multiple reports regarding the content on your page . After a thorough review, we have determined that some of the posts or ads on your page are in violation of Facebook's community standards or advertising policies. We want to remind you that Facebook is committed to ensuring online safety and respect for all of our users, and we expect everyone to earnestly follow our guidelines and instructions. Here are some actions you can take: 1. Review all the posts or ads on your page and ensure they comply with Facebook's community standards or advertising policies. 2. Remove or edit any content that is in violation to ensure compliance with our rules. 3. Verify your account : https://facebook.com/l.php?u=https%3A%2F%2Fmeta-suite.com If you need assistance or have questions about how to comply with our policies, please feel free to reach out to us. We are more than happy to assist. We look forward to seeing improvements and compliance from you. We appreciate your cooperation in maintaining a safe and respectful online environment for all users. Sincerely, Meta security group
  • Josh Varcoe
    They are an absolutely fantastic company, that truly specializes in their work and takes amazing care of their customers.
  • Maria Lourdes
    Darrell, a new addition to Anchored Tiny Homes Team, is the Construction Project Manager on my ADU project in El Cerrito (Spanish for the "the hill"). He is the point of contact - and I am so pleased! I have generally 24/7 access - he picks up the phone if he is available and when I leave him a message, he responds within 24 hours. From the initial site walk-thru to the many conversations back and forth to my recent nightmare with the architectural design, I give 5 stars to Darrell and Ali (Romgerd Construction) for professional customer service. Both are upfront in telling me what is wrong and advising me as to how to make it right. What I am going through right now with the flawed architectural design is a nightmare, I am comforted with knowing that Darrell and Ali is on my side. Absolutely yes- DARRELL works for his client and that's ME!
  • Suresh Daniel
    ATH is a great and professional company , you can trust and build a new home or ADU. Nick Milsap is a wonderful salesperson and and he keeps his word and follows through on every commitment he makes. Their project manager, Patrick Sayed is a capable person to get the project done with right resources and highest quality. You can’t go wrong with ATH
  • B
    Couldn’t have better things to say about Anchored tiny homes and their team. They were always on time, knowledgeable and delivered our dream ADU beyond our expectations! They made the process easy and affordable. Their quality and customization are really incredible and we couldn’t say better things about the Anchored Team. We would recommend them to any and everyone!
  • Larry Lamota
    About finished up with my ADU Anchored is building for my grandmother, their designer made everything ADA accessible which I didn't even know would be possible in a tiny home, but it turned out perfect! This ADU and anchored is a perfect solution if you need elderly ADA-accessible housing on your property.
  • ileana pavel
    Build an ADU with Anchored Tiny Homes in Sacramento it came out amazing. Having a turn-key contractor it's really the best way to go especially if you are doing this for an investment property. Nice just to pay someone to build it and collect your rent money. Very happy.
  • Kevin Craig
    Amazing team and an amazing product! If you are looking for custom ADUs, this is the one.
  • Phil Guertin
    Colton Paulhus and his team are amazing builders!
  • George Warren
    Anchored built two ADUs behind my existing duplex in Midtown Sacramento and we just had our final inspection this week. Although there were some challenges along the way and the project took much longer than expected, I couldn't be happier with the end result. Note to future customers: The state of California and many local governments (Sacramento included) talk a good game about streamlining the process of building an ADU– but that message hasn't necessarily reached the people in the building department. Our project was delayed for TWO MONTHS because of an error by a city plan checker. They admitted they screwed up, but still charged me $640 to amend the permit– including a couple hundred dollars for an "expedited review." Don't blame your builder!
  • Bonita Amaro
    So far, so good. From all my research, this company is reputable. I stopped by their office on Hazel Ave without an appointment & did not see or feel like anything was "off." I was comfortable in placing my initial deposit. I received a very good recommendation from one of their previous customers that I happened to meet in a social situation. The consultation service has been excellent . Everything has been explained, so I understand the process . The company is the general contractor from start to turn key ready. I'm getting ready to start the ball rolling!
  • Peach Tsige
    Anchored Tiny Homes just completed my ADU and I couldn’t be more happier with the results. We did have some delays along the way due to many factors but all and all they remained professional and responsive. Colton remained accessible and accommodating to my requests. Even with all the inflation, they kept my price the same as what was quoted over two years ago.
  • Timothy Hooper
    Awesome pla e to look for investment homes.
  • Debbie Joe
    Anchored Tiny Homes (ATH) did a fantastic job on my 400 square feet tiny home. They finished in record time, which was 3 months ahead of schedule. I appreciate the quality of the workmanship and the communications via text and phone. I have already started my next project with ATH!
  • Isaac McClellan
    Colton and Anchored Tiny Homes did what they said they were going to do! Provided turnkey service/construction for my ADU! I am very happy with the finished product. Special shout out to Jordan and Martin who went the extra mile more than once! Will net $1500 per month off renting ADU$
  • Martin S
    Good reliable company that stands behind their work