Flexible Financing for ADU in Garden Grove
Call (657) 567-6590 and we’ll walk through what your ADU project in Garden Grove actually costs before you commit to anything. At Ellery ADU Studio Garden Grove, we don’t think financing should be a maze of hidden fees or surprise rate jumps. We’ve built 900+ ADUs since 2015, and every single one started with a written price before any work began. That same transparency applies to how you pay for it.
Payment Options We Offer
Financing Plans
We work with financing partners who understand ADU construction in Orange County, not generic home-improvement loans that treat a garage conversion like a kitchen backsplash. Most Garden Grove homeowners who finance go from application to a usable credit line within a few business days. You’ll know your monthly payment before you sign the construction contract, not after. Under Haven Standard Clause 1, your written price locks at signing, so your loan amount matches your actual scope with no gap to cover later.
Major Credit Cards
Visa, Mastercard, American Express, and Discover are accepted for deposits and progress payments. Some clients in Garden Grove put the initial deposit on a card to earn points, then switch to financing for the larger construction draws. We don’t charge a processing fee that changes your project price, and every card payment shows up in your documented photo record with a timestamp.
Cash or Check
No financing, no points game, just the project price we wrote down. Several Garden Grove clients paying cash tell us the Haven Standard’s written-price guarantee mattered more than the payment method. You still get the same 365-Day Done Right Promise, the same permit set, the same photo record on every visit. We don’t offer a “cash discount” that disappears fees into some other line item. The price is the price.
Up-Front Written Pricing
This isn’t a payment method, but it’s the foundation every payment method rests on. Before you choose financing, cash, or card, you get a written, line-item quote for your Garden Grove ADU. Not a ballpark, not a “typical range for your neighborhood.” The actual foundation type for your soil, the actual electrical service upgrade if your panel’s at capacity, the actual permit fees Garden Grove charged last quarter. Haven Standard Clause 1 says we put it in writing before work starts. That lets you shop financing with real numbers, not guesses.
Simple Application Process
Step one: talk to us. Call (657) 567-6590 or schedule a site visit. We’ll look at your property in Garden Grove, check setbacks against the current zoning map, and identify any site prep realities that affect price. A sloped lot in West Garden Grove needs different grading than a flat parcel near the Strawberry Festival grounds. We find it, we say it, we write it down.
Step two: quick pre-qualify conversation. Based on your written quote, we’ll connect you with financing options suited to your project size and timeline. No hard credit pull until you choose to move forward. Most Garden Grove clients know within one phone call whether they’ll qualify for the amount they need.
Step three: choose your plan and sign. Your construction contract and your financing close independently, so you’re never pressured into a loan term to keep the build moving. The price in your Haven Standard contract doesn’t change because of how you pay. Permits get filed, site prep starts, and your photo record begins on day one.
Before
AfterFrequently Asked Questions
Yes. We maintain relationships with lenders who specifically finance accessory dwelling units in Orange County, including Garden Grove, and who understand the draw schedule of a design-build project. Most clients receive a decision within a few business days of application. Call (657) 567-6590 to discuss your project and we’ll outline the current options without a hard credit inquiry.
You’ll need your written quote from us, proof of income, and standard identification. Some lenders also want a copy of your property survey or preliminary title report, which we can help you obtain if you don’t have one from your original home purchase. The key is starting with our line-item quote so your loan request matches real construction costs, not an online estimator’s guess. Call (657) 567-6590 and we’ll coordinate what your chosen lender needs.
No. Estimates are free, and they include a site visit to your Garden Grove property, a preliminary zoning check, and a written, line-item quote with no obligation. We also offer a Free Second Opinion if you already have a written estimate from another ADU builder. Under Haven Standard Clause 1, the price we write is the price you pay, so there’s nothing to hide behind a “free estimate” gimmick. Call (657) 567-6590 to schedule yours.
Our written pricing under Haven Standard Clause 1 is already fixed at the lowest sustainable number for your scope, so we don’t run seasonal discounts or stackable codes that inflate a price just to mark it down. Financing terms are between you and your lender, but your construction contract price stays the same regardless. Call (657) 567-6590 to review your quote and we’ll explain how the numbers work together.
Written by Nadia Ellery, Owner at Ellery ADU Studio Garden Grove, serving Garden Grove since 2015.