Flexible Financing for ADU in Irvine
ADU projects in Irvine shouldn’t stall because of cash-flow timing. Call (657) 233-9738 and we’ll walk you through payment approaches that keep your project moving without stretching your budget past comfort. At Ellery ADU Studio Irvine, we’ve helped hundreds of homeowners across Northwood, Turtle Rock, and the Great Park neighborhoods break ground without breaking their savings first.
Payment Options We Offer
Financing Plans
We work with established lending programs that specialize in home-improvement and ADU construction. These aren’t generic personal loans repackaged. They’re structured around construction milestones, so you draw funds as phases complete rather than paying interest on the full amount from day one. Typical structures include 12-month same-as-cash options and longer-term installment plans. We’ll explain what you qualify for before you sign anything, under Haven Standard Clause 1: written price, no surprises.
Major Credit Cards
Visa, Mastercard, American Express, and Discover are accepted for deposits and progress payments. Some clients put the initial deposit on a rewards card, then switch to financing for the construction balance. We don’t surcharge for card use. The amount we quote is the amount you pay, period.
Cash or Personal Check
Pay by cashiers check, wire transfer, or personal check if you prefer to avoid financing altogether. Several of our Irvine clients in older neighborhoods like University Park and El Camino Real have used HELOC draws or savings to fund their ADU outright. We still provide the same written price, the same photo documentation, and the same 365-Day Done Right Promise. The Haven Standard doesn’t change based on how you pay.
Up-Front Written Pricing
Every Ellery ADU Studio Irvine project starts with a line-item written quote. Not a ballpark, not a “we’ll see once we open the walls.” Under Haven Standard Clause 1, you receive the full scope and price before any work begins. This matters for financing because your lender will want documentation. We provide it. No lender has ever come back to us asking for clarification they couldn’t find in our quote packet.
Simple Application Process
Step 1: Talk to us about your project. Call (657) 233-9738 or schedule a site visit. We’ll assess your property, discuss garage conversion versus detached ADU versus JADU, and identify any Irvine-specific considerations like your zoning designation or utility tie-in points.
Step 2: Quick pre-qualify conversation. Based on your written quote, we’ll connect you with financing options matched to your project size and timeline. This isn’t a hard credit pull. It’s a conversation about what programs fit your situation, with numbers you can compare side by side.
Step 3: Choose your plan and schedule. Once you select financing or payment method, we lock the scope and price under Clause 5 (No Surprises). Your permit application moves forward. Construction starts on schedule. No callbacks, no renegotiation, no “we forgot to mention this fee.”
Frequently Asked Questions
Yes. Ellery ADU Studio Irvine works with construction-specific lending programs that structure payments around project milestones rather than demanding full funding upfront. Options typically include short-term same-as-cash plans and longer installment structures. Call (657) 233-9738 to discuss what fits your project.
You’ll need our written quote, proof of income, and standard identification. The written quote comes from us automatically under Haven Standard Clause 1. Lenders usually want to see that your project has a fixed scope and a licensed, insured contractor, both of which we document before you ever speak to them. Call (657) 233-9738 and we’ll prepare your quote packet so you’re ready.
No. Estimates are free, and they include a documented photo record of our site visit. You’ll receive the written scope, line-item pricing, and our assessment of any Irvine-specific conditions we observed, such as setback constraints or utility access. There’s no obligation to proceed, and we offer a Free Second Opinion if you already have another estimate in hand.
It depends on the financing program’s rules, which vary. What doesn’t vary is our pricing integrity: under Haven Standard Clause 1, the written price is the written price. If a lender allows stacking promotions, that happens on their side. We don’t inflate our quote to create fake “discounts.” Call (657) 233-9738 and we’ll review your specific situation.
Written by Nadia Ellery, Owner at Ellery ADU Studio Irvine, serving Irvine since 2015.