Flexible Financing for ADU Projects in Santa Ana
Most Santa Ana homeowners we meet have been thinking about an ADU for years before they call. If you’re ready to move forward but want to spread the investment over time, call us at (949) 541-8498 and we’ll walk you through what’s available. At Ellery ADU Studio Santa Ana, we believe financing shouldn’t be the reason a project sits in the garage as a folder of ideas.
Payment Options We Offer
Financing Plans
We’ve worked with enough Santa Ana homeowners to know that paying in stages matters. Financing options are available for qualifying ADU projects, including garage conversions in Floral Park, detached units in Washington Square, and interior conversions throughout the city. We’ll explain the terms clearly, show you how the payments align with project milestones, and never push a product that doesn’t fit your situation.
Major Credit Cards
We accept Visa, Mastercard, American Express, and Discover. Some clients use cards for the initial design deposit to earn points, then switch to another method for construction draws. It’s your choice, and we’ll note it in your written scope so there’s no confusion when invoices arrive.
Cash or Check
No financing needed? You’ll still get the same written price before work starts, the same documented photo record, and the same 365-Day Done Right Promise. Paying by cash or check doesn’t change how we build your ADU in Santa Ana. Under Haven Standard Clause 1, the price is locked either way.
Up-Front Written Pricing
Every project, regardless of payment method, begins with a line-item written quote. We don’t do verbal estimates that shift later. You’ll see exactly what the slab work costs, what the permit expediting costs, what the utility tie-in costs. This matters in Santa Ana especially, where older neighborhoods like Heninger Park can hide surprises in the soil or the sewer lateral. When we find something, we photograph it, explain it, and write the adjustment before proceeding. No surprises, per Haven Standard Clause 5.
Simple Application Process
Step 1: Talk to us about your project. Call (949) 541-8498 or schedule a site visit. We’ll look at your property, check setbacks against Santa Ana’s ADU ordinance, and tell you what’s realistic. Nadia Ellery or a senior designer handles these walks personally.
Step 2: Quick pre-qualify conversation. If financing interests you, we’ll connect you with options that match your project size and timeline. There’s no hard pull on your credit for this initial step, and no obligation. You’ll know within a short conversation whether the numbers work for your situation.
Step 3: Choose your plan and lock your price. Once you select a payment approach, we finalize the written scope, set the start date, and begin permit drawings. The price you signed is the price you pay. Haven Standard Clause 1 applies from the moment you say yes.
Before
AfterFrequently Asked Questions
Yes, financing options are available for qualifying projects, and we’ll explain them during your free estimate. We don’t publish specific rates because they change with market conditions and individual credit profiles. What we can promise is that you’ll understand every option before you commit. Call (949) 541-8498 to discuss what fits your garage conversion or new detached ADU.
Typically you’ll need proof of income, a recent credit report, and details about your property, all of which we help you organize. The process is straightforward, and most Santa Ana clients complete the initial review quickly. We don’t handle the financing directly, but we know what lenders ask for and we’ll make sure your paperwork is ready. Call (949) 541-8498 and we’ll walk you through it.
No, estimates are free, and they include a written line-item price before any work starts. You’ll also receive our documented photo record from the site visit showing existing conditions. If you already have a written estimate from another Santa Ana ADU contractor, bring it in for our Free Second Opinion. We’ll review the scope and tell you if anything’s missing.
It depends on the financing program, and we’ll clarify that before you sign anything. Some programs allow stacking, others don’t. What we guarantee is that you’ll know the final numbers in writing before work begins. No hidden conditions, no last-minute adjustments. Haven Standard Clause 5 covers this explicitly. Call (949) 541-8498 for details on your specific project.
Written by Nadia Ellery, Owner at Ellery ADU Studio Santa Ana, serving Santa Ana since 2015.