ADU financing, made easy.
TWODWELL Financial gives you more borrowing power than standard home financing, with no refinance on your existing mortgage and your real number, fast. We offer loan options that can factor in your home’s after-build value, not just today’s equity.
NMLS# 238187See your estimated monthly payment.
Move the sliders for a real, no-obligation estimate.
$185,000
7.5% APR
Estimate only. Your actual rate and payment depend on credit, property, and loan type. No obligation to apply.
- Lower rates on your home's after-build value
- Borrow more than a standard HELOC
- Keep your mortgage, no refinance required
- See your number before you commit
TWODWELL Financial, powered by ProMortgage · NMLS# 238187 · Licensed in California and Oregon
Financing for every ADU path
Whether you're building on a home you already own, buying one that comes with an ADU, or doing both at once, there's an ADU Advantage™ loan built for your situation.
ADU Advantage™ - Build
Best For
Adding an ADU to a home you already own
Rate & Borrowing Power
Personalized at pre-qual
ADU Advantage™ - Buy
Best For
Buying a home that already has an ADU
Rate & Borrowing Power
Personalized at pre-qual
ADU Advantage™ - Buy + Build
Best For
Buying a home and building an ADU together
Rate & Borrowing Power
Personalized on compressed (after-improved) value
ADU Advantage™ - Bridge
Best For
Starting construction quickly, with short-term capital in place while long-term financing is arranged.
Rate & Borrowing Power
Personalized at pre-qual
TWODWELL Financial, powered by ProMortgage · NMLS# 238187 · Licensed in California and Oregon
A dedicated team, priced for ADUs.
TWODWELL Financial pairs real ADU lending expertise with a dedicated team. You get the right loan product and a competitive rate, from first estimate to funded.
Your personal ADU loan officer, underwriting on what your property will be worth once the ADU is built.
- ADU lending specialistsOfficers who know ADU construction, permitting, and appraisals, not generic mortgages.
- One point of contactThe same person guides you from pre-qualification through closing.
- Four ADU loan pathsBuild, Buy, Buy + Build, and Bridge, matched to your project.
- Purpose-built pricingYour rate is priced on ADU Advantage™, built specifically for ADU projects, not a standard mortgage stretched to fit.
ADU financing is our focus. Not our limit.
TWODWELL Financial specializes in ADU lending. We also handle standard home purchases, refinances, HELOCs, and investment loans, all through one team.
Better rates, smarter products, one team
- Borrow on your home's after-build value
- Build, Buy, Buy + Build, or Bridge
- Pre-qualify online in minutes
Home purchase loans
Refinance
HELOC & home equity
Investment & DSCR
Bought with us? Come back when you’re ready to build.
Homeowners who financed their purchase through TWODWELL Financial and plan to add an ADU later.
- $1,000 credit toward closing costs on ADU Advantage™ financing*
- Valid within 48 months of your purchase loan closing
- Applied automatically, no extra paperwork
How TWODWELL Financial compares to other options
See why financing built specifically for ADU projects gives homeowners more borrowing power and a simpler path than standard options.
| Our offering TWODWELL Financial | Traditional bank HELOC | Standard construction loan | |
|---|---|---|---|
| Application | Pre-qualify online in minutes | Varies by lender, often in-person | Lengthy, document-heavy process |
| Loan sized on | Your property's after-build value | Current home value only | Current value + appraised plans |
| Keep your mortgage | Yes, second-lien options available | Yes | No, usually requires refinance |
| Built for ADUs | Yes, ADU-specialized loan officers | No, general-purpose | Rarely ADU-specific |
| Financing paths | Build, Buy, Buy + Build, or Bridge | HELOC only | Construction only |
ADU Questions & Answers