Talk to us about loans for ADUs.

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ADUs are in the news. Are you thinking of adding on?


There’s a lot of talk about ADUs.
You might want a place for an elderly relative to live close to you.
You could be looking for extra income from a rental.
Maybe you need a quiet office to work from home.
Whatever your plans, you’ll probably need financing.
Fill out and submit the form today to get started!


What is an ADU?


The accessory dwelling unit, or ADU, goes by many names: in-law unit, secondary dwelling unit, granny flat, or carriage house. An ADU can be attached to the house or a stand-alone unit, and has its own kitchen, living area, and a separate entrance.

ADU advantages

  • Can generate supplemental income from your property.
  • Builds equity.
  • Creates space for guests.
  • Keeps your family close. 

ADU Possibilities

  • Room additions.
  • Home expansions.
  • Garage conversions.
  • Home offices. 

Financing an ADU.


Options for financing an ADU include refinancing your home to raise cash, or using a renovation loan. We can discuss your alternatives, but two renovation loans to consider are:

  • FHA 203(k) Standard:

    • An option for attached ADUs.
    • Credit scores as low as 620.
    • Down payments as low as 3.5%.
  • Fannie Mae HomeStyle®:

    • Allows detached ADUs for primary single-family residences.
    • Credit scores as low as 620.
    • Renovation funds up to 75% of the after-improved value.

Before you make any decisions, check your local zoning ordinances. You need to be sure they allow for ADUs, and there may be restrictions on what constitutes a kitchen, or how many square feet you can add.

About CrossCountry Mortgage


Who We Are

  • Top 10 retail lender in America.
  • Licensed in all 50 states with branch offices across the country.
  • Winner of numerous awards for growth, innovation, and speed.
  • Experts at the basics of mortgage lending: closing loans. 

What We're About

  • The biggest investment of your life deserves the attention of the best mortgage professionals.
  • Our licensed loan officers bring decades of proven performance and integrity to the table, plus the experience and knowledge to ensure an easy, streamlined transaction.
  • Our sole focus is to help you achieve your homeownership goals and keep you informed throughout the process.

Get in touch today to discuss ADU financing!