Flexible Financing for ADU in Orange County
When an ADU, garage conversion, or home addition in Orange County becomes necessary, the cost shouldn’t be the reason it gets pushed off another year. Call (350) 203-6060 and we’ll walk you through payment options that make the project fit your budget. Russ Delmar has seen too many Orange County homeowners delay an ADU that would have started paying for itself in rental income, simply because nobody explained how the payments could work. We keep the conversation straightforward: no fine-print surprises, no pressure, just a clear path from where you are to a finished unit on your lot.
Payment Options We Offer
Financing Plans
We offer financing through vetted third-party lenders who work specifically with residential construction projects. Terms vary based on credit profile and project scope, but monthly payment structures typically start around a few hundred dollars for a garage conversion and scale from there. During your estimate, we’ll explain what typical Orange County ADU projects look like month to month, so you can decide before committing to anything.
Major Credit and Debit Cards
Most homeowners prefer the simplicity of a card, and we accept all major credit and debit cards. This works well for smaller phases of work, like design retainers or material deposits. We’ll never run a card without your explicit approval, and the amount is always agreed upon in writing first.
Cash or Check
Many Orange County homeowners paying cash appreciate the simplicity of a single payment schedule tied to construction milestones. We accept both cash and personal checks, and we provide a receipt for every transaction. There’s no discount for cash and no penalty for financing, the option is about what fits your situation.
Up-Front Written Pricing
This is the foundation of every payment conversation at Lodgewick ADU Orange County. Before any work starts, you get a written price for the full scope, so the number never moves once we begin. The Kingswell Way means we say the price before the work, and that price is what you pay. No change orders, no surprise line items at the end. If something outside the original scope comes up during construction, we stop, put the new number in writing, and get your sign-off before proceeding.
Simple Application Process
Financing an ADU in Orange County should not feel like applying for a mortgage. Our process takes three steps. First, call (350) 203-6060 and describe your project, garage conversion, backyard ADU, or home addition, and we’ll schedule a free on-site estimate. Second, during that visit we’ll discuss your project scope and budget, and if financing makes sense, we’ll run a soft pre-qualification that doesn’t affect your credit score. You’ll get a clear picture of monthly payment options before making any decision. Third, you choose the plan that fits, sign the written agreement with your fixed price, and we put the schedule on the calendar. The whole conversation usually takes less than a day from first call to approved plan.
Frequently Asked Questions
Yes, we offer financing options through vetted third-party lenders who specialize in residential construction and ADU projects. Payment terms depend on your credit profile and project scope, but we’ll walk you through realistic monthly payment examples during your free estimate. Call (350) 203-6060 to talk through what financing might look like for your specific project.
You’ll need basic identification, proof of income, and authorization for a soft credit check during pre-qualification. The soft check does not affect your credit score. We keep the paperwork minimal, and our team handles most of the coordination with the lender so you’re not chasing documents. Call (350) 203-6060 and we’ll tell you exactly what to have ready before your estimate.
No, estimates are completely free for every project type, including ADU builds, garage conversions, and home additions. You’ll get a written price that covers the full scope of work before you commit to anything. The written price is part of The Kingswell Guarantee, and it’s yours to keep whether or not you move forward. Call (350) 203-6060 to schedule yours.
Yes, promotional offers and financing can typically be combined. The structure of your project changes the math, so the best way to know is to ask during your estimate. We’ll run the numbers both ways, with and without the offer, so you can see the actual difference in monthly payment and total cost. Call (350) 203-6060 and we’ll put it all in writing for you.
Written by Russ Delmar, Owner at Lodgewick ADU Orange County, serving Orange County since 2010.
