Flexible Financing for ADU in Santa Clarita
Most Santa Clarita homeowners don’t have $80,000-$150,000 sitting in a checking account for an ADU, and they shouldn’t need to. Call us at (747) 294-4817 and we’ll walk you through payment approaches that keep your project moving without the stress of a single massive outlay. At Ellery ADU Studio Santa Clarita, we’ve financed ADUs in Saugus, Valencia, and Canyon Country since 2015, and we know which structures actually work for the clients who live here.
Payment Options We Offer
Financing Plans
We partner with established home-improvement lenders who understand ADU construction in Los Angeles County. 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 Santa Clarita ADU projects in the $90,000-$140,000 range often qualify for terms that spread payments across 10-20 years, with no penalty for early payoff. We’ll run the numbers with you before you sign anything, and the rate you see is the rate you get.
Major Credit Cards
Visa, Mastercard, American Express, and Discover are accepted for deposits and progress payments. Some clients in Santa Clarita put the initial design retainer on a rewards card, then switch to financing for the construction phase. We don’t charge a processing fee for card payments under $10,000; above that, we split it across multiple billing events to keep your costs down.
Cash or Check
No financing needed, no problem. Cash and check clients receive the same written price, the same documented photo record, and the same 365-Day Done Right Promise. We’ve had Santa Clarita homeowners fund entirely from a HELOC they arranged separately, from a family partnership, or from savings built over years in the SCV housing market. However you pay, the scope and the price lock at signing under Haven Standard Clause 1.
Up-Front Written Pricing
This isn’t a payment method, but it’s the foundation of every payment method we offer. Under Haven Standard Clause 1, you receive a written, line-item price before any work starts. That price includes design, permitting, construction, and final inspection in Santa Clarita. No change orders unless you request a change. No “we found an issue” surcharges. What we write is what you pay, and that makes financing calculations actually meaningful.
Simple Application Process
Step 1: Talk to us about your project. Call (747) 294-4817 or schedule a site visit. We’ll assess your Santa Clarita property, check setback and utility constraints, and rough out a scope. This conversation costs nothing and puts real numbers on the table.
Step 2: Quick pre-qualify conversation. If financing makes sense for your situation, we’ll connect you with a lender representative for a 10-15 minute call. No hard credit pull at this stage, no commitment. You’ll know same-day whether you pre-qualify and what terms are available.
Step 3: Choose your plan and lock your price. Select the financing structure that fits your cash flow, sign the Haven Standard contract with your written price attached, and we file permits with Santa Clarita Planning the following week. Your first draw typically hits when foundation work begins, not before.
Frequently Asked Questions
Yes. Ellery ADU Studio Santa Clarita works with multiple home-improvement lenders who specialize in construction-phase funding for ADUs. These programs are designed around milestone-based draws, so you’re not paying interest on money your builder hasn’t spent yet. Call (747) 294-4817 to discuss which options match your project size and timeline.
You’ll need proof of income (W-2s or tax returns), a mortgage statement or proof of homeownership, and the written project estimate we provide. Most Santa Clarita clients pre-qualify with a soft credit inquiry that doesn’t affect their score. The lender we connect you with will specify anything additional based on your file. Call (747) 294-4817 and we’ll send you a checklist before your first lender call.
No. Estimates are free, and they include a site visit, a preliminary feasibility check against Santa Clarita’s ADU ordinance, and a written line-item price. We also offer a Free Second Opinion on any written estimate you already have from another builder. There’s no obligation either way. Call (747) 294-4817 to schedule yours.
Sometimes. If you’ve secured a promotional rate through your own bank or credit union, we can structure the project to accept those funds as your payment method, same as cash. We cannot stack multiple third-party promotions, and we don’t control lender promotional calendars. What we can guarantee is this: your written price under Haven Standard Clause 1 doesn’t change based on how you pay. Call (747) 294-4817 and we’ll coordinate with your lender to keep the paperwork clean.
Written by Nadia Ellery, Owner at Ellery ADU Studio Santa Clarita, serving Santa Clarita since 2015.