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Accessory Dwelling Unit (ADU) Financing

Finance up to 90% of your home’s future value.

 

Build Your ADU with the Equity You’ve Earned

Turn the space you already own into opportunity. Whether you’re adding a backyard cottage, converting a garage, or building an in-law suite, our ADU financing options help you move from blueprint to build with clarity and confidence.

Why Choose an ADU Loan?

  • Borrow up to 90% of your home’s future value
  • Loan amounts up to $450,000
  • Flexible structures:
    • Refinance your existing mortgage and include funds for your ADU project, or
    • Keep your current mortgage and access equity through a separate fixed-rate loan or revolving line of credit
  • Designed for primary residences in Massachusetts


When permits, plans, and specifications are in place, we’ll help you structure financing that aligns with your project timeline.

Resources

Building an ADU starts with understanding state guidelines and local zoning requirements. Regulations can vary by municipality — from permitting to size restrictions — and having the right information early can make all the difference.

We encourage you to explore:

Mass.gov

Understand local considerations before you begin

Start the Conversation

Every property and project is different. Let’s talk about your plans and explore the financing options that fit your goals.

Your Guide: Jay Bianchi

Assistant Vice President, Community Mortgage Lending Specialist

Contact us today

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    MountainOne Bank NMLS #528054

    Mortgages: All loans subject to credit approval.

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