PLANNING AN ADU? LET'S FIND THE RIGHT WAY TO PAY FOR IT.
An ADU — accessory dwelling unit — is the granny flat, in-law suite, backyard cottage, or guest house you've already been picturing. Whatever you call it, you don't have to figure out the money on your own. One conversation, not a dozen applications: we'll help you explore the financing paths that actually fit your property, your budget, and your goals.
⦿ Tiny Homes
⦿ ADUs
⦿ Container Homes
⦿ Granny Pods
⦿ Mother-in-Law Suites
THE REAL PROBLEM
WHY FINANCING AN ADU CAN FEEL HARDER THAN BUILDING ONE.
You can already picture it finished — where it sits in the yard, who's going to live in it, how it changes things for your family. The build makes sense. It's the money that stops you cold.
Should you use a home equity loan?
It can be a strong fit when you've built up equity — but it isn't right for every project. We'll help you weigh it against the alternatives instead of guessing.
A HELOC?
A line of credit lets you draw as you build. Whether it makes sense comes down to your timeline and your budget — two things we'll talk through with you.
A construction loan?
Construction financing is built for ground-up projects, but it works differently than a standard mortgage. We'll explain exactly how, in plain language.
Or something else entirely?
There are more paths than most homeowners realize. The right one depends on your situation — which is exactly what we help you sort out.
That's why we start with a conversation — not a one-size-fits-all application.
Every project is different. The right path depends on your property, your budget, and what you're trying to do — which is why sending one application to one lender so often leads to the wrong answer, or no answer at all.
BUILDING AN ADU IS EXCITING.
PAYING FOR IT SHOULDN'T BE STRESSFUL.
WHO WE ARE
WE HELP HOMEOWNERS TURN UNUSED BACKYARDS INTO VALUABLE LIVING SPACES.
At My ADU Match, we're a Christian-owned company with a resolute mission: to transform lives by helping every homeowner unlock the potential already sitting in their backyard. We believe Accessory Dwelling Units (ADUs) are one of the most overlooked opportunities available to property owners today—and our mission is to educate homeowners on what's possible and connect them with the financing to make it happen.
We believe every backyard has room for an ADU, and for three simple reasons: it increases property value, it provides much-needed housing in communities facing a housing shortage, and it creates a new income stream for the homeowner. An ADU isn't just an addition to a property—it's a long-term investment that pays off in equity, rental income, and impact.
Our platform is built to guide homeowners through the entire journey: understanding what an ADU can do for their property, exploring financing options like HELOCs and other lending solutions designed specifically for ADU construction, and connecting with the right builders and resources to bring it to life. We take the confusion out of ADU financing so homeowners can move from "is this possible?" to "let's build it."
Whether you're a homeowner curious about what an ADU could mean for your property, exploring financing options, or a builder looking to be part of this movement, My ADU Match is where ADU education, financing, and opportunity come together—one backyard at a time.
WHAT WE HELP FINANCE
IF IT ADDS LIVING SPACE TO YOUR PROPERTY,
THERE'S LIKELY A WAY TO FINANCE IT.
DETACHED ADUs
A standalone home in your backyard, on its own footprint, on land you already own.
GRANNY FLATS
Keep aging parents close and cared for, with a private, dignified space of their own.
IN-LAW SUITES
Attached to your home. Independent living for loved ones, just steps away.
Container Homes
Modern, efficient living space built from repurposed shipping containers.
Shed & Outbuilding Conversions
A flexible backyard retreat for visitors, family, or whatever comes next.
TAKES LESS THAN 2 MINUTES
READY TO SEE WHAT MAY FIT YOUR ADU PROJECT?
Tell us a little about the ADU you're planning — where it's going, roughly what you're imagining, and what you're working with. Two minutes of your time, and you'll be on your way to understanding the options that may be available for your property.
• Average completion time: under 2 minutes
No obligation, and we'll never share your information. Submitting this form is not an application and doesn't guarantee approval.
FINANCING OPTIONS
FINANCING PATHS WE CAN HELP YOU EXPLORE
There isn't one ADU loan. There are several paths, and which ones open up depends on your equity, your property, and what you're building. Here's what's usually on the table:
Home equity loans
HELOCs
ADU construction loans
Renovation loans
Personal financing
Partner financing programs
The options available to you will depend on your project, your property, your location, and your individual circumstances.
WHO THIS IS FOR
You're in the right place if you're a…
A HOMEOWNER WITH AN UNUSED BACKYARD
You've got the space and the equity. You just don't know what to do with either.
BUILDING FOR AGING PARENTS
You want them near, safe, and still independent.
A PARENT HELPING ADULT CHILDREN
You want to give them a real place to start, without leaving home behind.
PLANNING A GUEST HOUSE
Space for the people you love, for a weekend or a season, whenever they come to stay.
EXPLORING RENTAL INCOME
Turn unused land into income where local rules allow, and let your property earn its keep.
CONVERTING A GARAGE OR BASEMENT
The ADU is already there. It just isn't finished yet.
WHY HOMEOWNERS CHOOSE US
ONE CONVERSATION. NOT A DOZEN APPLICATIONS.
The old way means explaining your backyard to lender after lender, filling out application after application, and sorting conflicting answers on your own — most of them from people who've never financed an ADU. We do it differently. Start with one conversation, and we'll help you understand:
What financing options may fit your specific ADU project
What information you'll want to have ready
The next move toward getting your project started
HOW IT WORKS
Four simple steps
01
Tell Us About Your Project
Spend two minutes on a short form: what you're building, where it sits, and what you're hoping to do.
02
Speak With a Specialist
We'll review your situation, answer your questions, and help you understand which options may be on the table.
03
Explore Your
Options
When there's a path that fits, we help connect you with financing solutions that line up with your project.
04
START PLANNING YOUR ADU
With a financing path in view, you move forward — and start building the space you've been picturing.
WHY FAMILIES BUILD
AN ADU SOLVES A REAL FAMILY NEED.
AGING PARENTS
Keep loved ones nearby
Give your parents their own front door and their independence — while staying close enough to be there when it counts.
ADULT CHILDREN
Help them take the next step
I've your kids a real place to land and get started, without leaving home behind.
GUEST SPACE
Room for everyone
Make space for the people you love, for a weekend or a season, whenever they come to stay.
RENTAL OPPORTUNITY
Make the space work for you
Turn unused land into income where local rules allow, and let your property earn its keep.
REAL FAMILIES
Stories from homeowners like you
QUESTIONS, ANSWERED
Frequently asked questions
What exactly counts as an ADU?
ADU stands for accessory dwelling unit. In plain terms: a second, self-contained living space on the same property as your main house.
The test is usually whether someone could live there independently — its own kitchen, bathroom, sleeping area, and entrance. If it has those, it's generally an ADU, no matter what you call it.
That covers a lot more than most homeowners realize:
· Detached - a cottage or standalone unit in the backyard
· Attached - an addition with its own entrance, sharing a wall with your home
· Converted - a garage, basement, or space above the garage, finished into a living space
Granny flat, in-law suite, casita, carriage house, backyard cottage, guest house — different names, same category. Size limits, setbacks, and permitting are set locally, so what's allowed on your lot depends on your city or county. That's one of the first things worth sorting out, and it's part of what we'll walk through with you.
Can I use my home's equity?
Often, that's a strong starting point. Home equity loans and HELOCs are two common paths for funding a backyard build — we'll help you weigh them against the alternatives for your situation.
What credit score do I need?
There's no single cutoff. It varies by the option you explore, so rather than guess, we'll help you understand where you stand and which
paths may be realistic for you.
Do I need to own land?
For most backyard builds — ADUs, granny pods, guest houses — you'll typically be building on property you own. Tell us about your plan and
we'll talk through what it involves.
Can I finance an ADU?
Yes — accessory dwelling units are one of the most common projects we help homeowners explore financing for.
Can I finance a container home?
In many cases, yes. How a container home is built and classified can affect the options available, and we'll help you understand what may
apply to yours.
How long does the process take?
It depends on your project and the option you choose. The first conversation takes just a few minutes, and we'll give you a clear sense
of timeline from there.
What happens after I submit my information?
A specialist reviews your details and reaches out to talk through the options that may fit your project. There's no obligation — it's a
conversation, not an application.
LET'S EXPLORE YOUR ADU FINANCING OPTIONS.
Granny flat, in-law suite, backyard cottage, garage conversion — whatever you're calling it, you don't have to sort out the money alone. Let's start with a conversation.
We help homeowners explore financing options for ADUs, granny flats, in-law suites, and backyard builds.
FOLLOW US
My ADU Match is a financing gateway service. We are not a lender and do not originate loans. We help connect homeowners with financing options that may be available for their project. Financing options, terms, and availability depend on your property, project, location, and individual circumstances. Submitting your information is not an application and does not guarantee approval.
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