Flexible Financing for ADU in San Diego
Adding an accessory dwelling unit, a garage conversion, or a home addition is one of the biggest investments a San Diego homeowner can make, but paying for it shouldn’t keep you up at night. If you’re weighing your options, call Lodgewick ADU San Diego at (619) 376-2760 and we’ll walk you through what’s possible. We’ve helped homeowners across the city structure payment plans that fit real budgets, not a one-size-fits-all box. A lodge, after all, is a small house on a larger property, and building one should feel manageable from the first estimate to the final inspection.
Payment Options We Offer
Financing Plans That Fit Your Timeline
Many of our San Diego clients finance their ADU build or garage conversion over a term that works with their monthly budget. We’ll connect you with financing partners who specialize in construction and renovation lending, so the conversations you have are with people who understand what an ADU actually costs and how the project phases work. The goal is simple: a predictable monthly payment that doesn’t stretch your household finances thin while the build is underway.
Major Credit Cards Accepted
If you’d rather use a card and earn points or miles on a portion of the project, we accept all major credit cards. This works well for smaller deposits and material purchases, and some homeowners choose it for the first phase of a larger build. We’ll show you exactly what the card processing fee looks like in writing before you swipe, so there’s never a surprise line item.
Cash and Check Payments
Plenty of our San Diego homeowners have been planning an ADU for years and have cash set aside, and we’re happy to accept cash or check for any portion of the project. Some clients pay in full, others split the job into milestone payments. Either way, the schedule is spelled out in your written agreement before the first crew member shows up.
Up-Front Written Pricing, Every Time
Before any work starts, you get a written price. No handshake estimates, no “we’ll figure it out later,” no change orders that show up unannounced. That’s the Kingswell Way, and it’s the foundation of every payment conversation we have. When you know the full number up front, choosing a payment method becomes a lot less stressful.
Simple Application Process
Getting started is easier than most people expect. First, call (619) 376-2760 and talk through your ADU or garage conversion goals with someone who answers the phone, 24/7, not a voicemail loop. Second, we’ll have a quick pre-qualification conversation about your project size and preferred payment timeline, nothing invasive, just enough to point you toward the right financing partner. Third, you pick the plan that feels comfortable and we put the terms in writing alongside your project estimate. That’s it. No stacks of paperwork before you’ve even decided what you want to build.
Frequently Asked Questions
Yes. Lodgewick ADU San Diego works with established financing partners who specialize in construction and renovation lending, so clients can finance their accessory dwelling unit, garage conversion, or home addition with a plan that matches their budget. We’ll connect you directly with a lender who understands ADU builds, and the terms are written down before you commit. Call (619) 376-2760 to talk through your options, there’s no cost to ask.
You’ll need the basics: proof of income, a general sense of your credit picture, and an idea of the project scope you’re planning. We’ll start with a conversation, not a mountain of paperwork, so you can get a sense of what’s possible before filling anything out. Once we know your goals, we’ll point you toward a financing partner who can take it from there. Call (619) 376-2760 and we’ll walk you through the first step.
No. The estimate is free, and the written price you receive includes everything about the projected cost, payment schedule, and guarantee terms before any work begins. That’s a Lodgewick standard, and it’s part of the Kingswell Way on every single project. Call (619) 376-2760 to schedule yours.
Yes, in most cases. If there’s an active offer on your ADU build or garage conversion, we’ll factor it into the total project cost before your financing terms are set, so you don’t have to choose between a good deal and a manageable payment plan. We’ll show you the math in writing, no fine print games. Call (619) 376-2760 and we’ll run through exactly how it works for your specific project.
Written by Russ Delmar, Owner at Lodgewick ADU San Diego, serving San Diego since 2010.
