HELOCs now available for homeowners & investors

And they work with the CalHFA ADU Grant.


HELOCs for homeowners:

  • Up to 90% combined loan to value

  • $500,000 maximum

  • Interest-only for 10 years

  • Amortized over 30 years

  • No prepayment penalty

  • Only pay on what you use

HELOCs for investors

  • Up to $250,000

  • Draw period 5 years

  • Repayment period 10 years

  • 1-4 unit properties

Additional restrictions apply, but our clients are very happy with these options to build their ADU as an alternative to refinancing their primary mortgage.



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