As a company working closely with homeowners and investors, we understand that one of the biggest challenges in renovation and ADU construction is access to capital — without giving up a favorable first mortgage rate.
That’s why we offer Renovation HELOC (ARV HELOC) — a financing solution that allows clients to fund renovations or ADU projects based on the projected value of the property after improvements are completed, while keeping their existing first mortgage intact.
Using After-Renovated Value on a HELOC
A Smarter Approach to Renovation & ADU Financing
Traditional refinancing often forces homeowners to choose between moving forward with a project or preserving a low interest rate.
This program was designed to eliminate that trade-off.
Through a second-lien Home Equity Line of Credit, clients can:
• Keep the rate on their 1st mortgage without refinancing
• Access up to $500,000 in renovation or ADU funding
• Borrow up to 95% of the property’s After-Renovation Value (ARV)
• Move forward without tying up personal cash reserves

The process is intentionally streamlined:
• No draw schedules
• No inspections required
• No permits required prior to closing
• Full access to funds at closing
Built for ADU & Value-Add Projects
This program is especially effective for:

  • -1-

    ADU construction and garage conversions

  • -2-

    Full interior or exterior remodels

  • -3-

    Additions and strategic renovations focused on long-term value

Eligible property types include single-family homes, 1–2 unit properties, townhomes, PUDs, and warrantable condominiums.
Our Commitment
We believe financing should support smart growth — not slow it down.
This solution gives our clients the flexibility to build, improve, and invest with clarity, speed, and long-term financial alignment.
Schedule a free consultation
with our Loan Officer today.
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