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ADU Home Renovation Loans

ADU Home Renovation Loans

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Rates

Expand your possibilities

Tailor your loan to meet the specific needs of your renovation

Quickly secure the funds needed to start your renovation

Enjoy transparent terms with no surprise charges or fees

Finance based on your projected equity

Expand your possibilities. Make room for more with an in-law apartment, accessory dwelling unit (ADU), or some major upgrades to your home.

  • Convenient and quick application process with no need for refinancing
  • Enjoy flexible repayment plans that fit your budget
  • Keep your current mortgage and its rate intact
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ADU Home Renovation Loan Rates

TermInterest RateAPRLoan to Value Ratio
60-107 Months6.74%7.423%Up to 80%
108-120 Months6.94%7.318%Up to 80%
121-180 Months7.24%7.587%Up to 80%
181-360 Months7.74%7.993%Up to 80%
Effective date: December 11, 2025

ADU Home Renovation Loan General Disclosure

The Fixed Home Renovation Loan offers a loan term of up to 360 months (30 years) and begins with a 9-month interest-only construction period followed by a fully amortized re-payment period for the remaining months. For a maximum term of 360 months, loan amount must be greater or equal to $200,000. ADU Home Renovations loans are only available for homes in New Hampshire, Massachusetts, Maine, or Vermont.

ADU Home Renovation Loan Payment Example

A payment example for a Home Renovation loan with a $200,000 loan amount at 7.740% interest rate and annual percentage rate of 7.993% with a term of 360 months will have a monthly principal and interest payment of $1,431.44.

The APR in the payment example was effective on 07/21/2025. The current APR may be different than the APR used in the payment example.

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