Accessory Dwelling Unit (ADU) Loan

Enhance your property with an ADU Loan

We can provide the financing you need through this customized loan. 

Start your project with Monterra

Interest-only loan, advanced monthly

Maximum term of 12 months

Used for ADU-eligible, permitted, existing owner-occupied single-family homes

Limited Time: Receive a 0.125%* off an ARM for a new home purchase. Offer expires 7/31/24.

Specialized financing at a competitive rate 

When you're ready to add a guest house or any type of living quarters to your single-family home, the ADU Loan from Monterra Credit Union is your answer.

Before you get started, we encourage you to visit Hello Housing

If your plans and project manager are already set and you just need financing, you're ready to start your application. Once we receive your application, we'll contact you to schedule a consultation.


Renovations must comply with all applicable state and local laws and regulations, including zoning regulations. All permits and approvals must be obtained. All mortgage loans through Monterra Credit Union are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans are subject to credit approval. Please speak with a Real Estate Representative for current rates and information on loan limits as additional conditions and restrictions may apply. 

Monterra Credit Union NMLS #416747.

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