ADU loans for San Gabriel Valley homeowners. See what your city lets you build, what it will cost, and how to fund it — in a few minutes.
Local, ADU-Focused Lending
An accessory dwelling unit adds rental income, room for family, and value to your property. NestMade helps San Gabriel Valley homeowners pay for one — with loan options matched to your equity, your timeline, and the rent your ADU can earn.
How We Help
From first sketch to final draw, every step is built around your equity and the rent your unit will earn.
Check your city's ADU rules so you know the size and type of unit your lot allows before you spend a dollar.
Get an itemized estimate for your project, from site work to finishes, so you can budget with real numbers instead of guesses.
Tap the value you have already built in your home to fund the build, often at a lower cost than other options.
Qualify based on what your home will be worth once the ADU is done, not just where it stands today.
We factor the projected rent from your ADU into your loan, which can stretch how much you are able to borrow.
Money is released in stages as work is inspected, so your contractor is paid only for what is actually done.
Know Your Numbers
Pick your project and size for a quick, itemized estimate of what an ADU costs, then decide whether to pay cash or finance it.
1 What do you want to build?
2 How big?
3 Your estimated cost
Does it pencil?
The rent could fully cover the loan payment — about $1,140/mo left over.
Financing $154,000 at 8.5% over 30 years (illustrative). Potential rent is the HUD Fair Market Rent for LA County — your actual rate and rent will vary.
4 How will you pay for it?
Ballpark ranges based on 2025–26 Los Angeles–area ADU costs, not a quote. Your actual cost depends on your lot, finishes, site conditions, and city. A NestMade advisor will give you real numbers for your project.
Your Money, Protected
California law caps a contractor's down payment at $1,000 or 10 percent of the contract, whichever is less. A draw-based ADU loan goes further. It pays your contractor only after each stage of work is inspected and signed off.
Trusted Locally
"The entire mortgage process was smooth and stress-free from start to finish. Benson and his team provided excellent service, clear communication, and quick responses to all my questions."
"Benson is phenomenal in the lending world! Closing escrow in just 14 days with a loan seemed impossible, but he made it happen seamlessly. Highly recommend Benson for any lending needs!"
"Great experience working with this team. They know what they are doing and will go above and beyond to make it happen. Choosing NestMade was the right choice."
NestMade · NMLS #897612 · CA DRE #01907837 · Equal Housing Lender
San Gabriel Valley
ADU rules and costs vary by city. Choose yours for local numbers and the loan options that fit.
Get Started
Tell us about your home and your project. We will come back with the loan options that fit.
