At ICS, we don’t believe in wasting your time with fluff. You’ve got a job to do — building your ADU — and you need financing that actually gets you there. Here’s a straight-up look at the options we offer:

Cash-Out Refinance

If you’ve built up solid equity in your home, a cash-out refinance might be the simplest route. You’ll replace your current mortgage with a new one and pull cash from the equity to fund your ADU. It’s a clean, single-loan solution — best when your existing loan terms are similar to current market rates or if your home is nearly paid off.

HELOC (Home Equity Line of Credit)

Want to keep your current mortgage intact? A HELOC gives you access to your home’s equity without touching your first loan. It’s flexible — you borrow as you need, pay interest only on what you use, and control the pace. Think of it like a credit card, but with better rates. It keeps your costs lower during the ADU build.

Home Equity Loan (HELoan)

Need your funds upfront and in full? A HELoan hands you a lump sum, typically at a fixed rate and shorter term (often 20 years or less). Payments start right away, principal and interest. Good option if you want a predictable payment schedule from day one.

Renovation Loans

Building an ADU adds value to your home — renovation loans let lenders consider that future value when evaluating your equity. Available as cash-out refis, HELOCs, or HELoans. It’s a smart way to get more financing power without waiting until the ADU’s done.

Construction Loans

Starting from scratch or adding an ADU to vacant land? A construction loan might be your best bet. It replaces your existing mortgage with a new one based on current rates. Designed for ground-up projects that need structured financing from day one.

Unsecured Options

Not everyone wants to use their home as collateral. For smaller builds or topping off other funds, here’s what else we offer:

• Personal Loans: Fast, straightforward loans (typically under $100K) with no strings attached to your property.
• Retirement Funds: Tap into your retirement account — check first for any penalties or restrictions.
• Sell Another Property: Use a HELOC on an existing property to fund your ADU. Once the ADU is complete, sell the original property and pay off the line of credit.