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Add an Accessory Dwelling Unit (ADU) to Your Home

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Mortgage and Lending with Rate, Inc NMLS# 2611 NMLS #151088
An Accessory Dwelling Unit (ADU) can increase your property value and generate passive income.  From HELOCs* to flexible second mortgages to hassle-free personal loans**, our wide range of financing solutions can help make it happen.
 
We also offer a variety of Renovation Mortgage programs as well.  These options include:
  • FHA 203(k) Renovation - Limited & Standard
  • Fannie Mae HomeStyle Renovation
  • Freddie Mac CHOICERenovation
  • VA Renovation
With our Renovation loan programs, you can use the higher Subject To Appraised value to finance your ADU.  This allows our Renovation loan programs the ability to tap into the improved value of your home vs the current appraised value. 

An ADU can have a wide range of uses or fit a variety of needs.  For some, it can be a great way to earn additional income to help offset the mortgage payment.  We do offer some mortgage programs that will allow the use of Rental Income from the ADU to be used as Qualifying Income for the mortgage. This can help a Buyer potentially qualify for a higher priced home.

An ADU is also a great option for multi-generational living as well.  It can be a cheaper option than Assisted Living while allowing a family member to remain more independent.  Having an ADU can also provide more affordable housing for a family member while allowing them to still live separately in their own space.  With today's housing affordability issues, an ADU can be a great tool to leverage home ownership. 
 
Do you need funding to add an ADU to your home? I can personally assist with all your mortgage needs in AL, AR, AZ, CA, CO, FL, GA, IN, MI, MS, NC, NV, SC, TN, TX, VA & WA.  Members of my team can assist with all other states plus DC.  🏘️ https://tinyurl.com/58xepsmy
 
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It is always advisable to consult with a knowledgeable lending professional when navigating today's turbulent mortgage and real estate marketplace.  I am committed, qualified and equipped to help you evaluate your options!

 

Also check out:

Conventional Financing Mortgage Program Overview/Updates

FHA Financing Mortgage Program Overview/Updates

USDA Financing Mortgage Program Updates  

 

Programs Include:

 

  • Conventional (Fannie Mae & Freddie Mac)

  • FHA, USDA, & VA

  • Jumbo to $3,000,000

  • Bank Statement Program for Self-Employed Borrowers

  • Foreign National Program

  • Investor Cash Flow

  • Non-Warrantable Condos

  • Renovation - FHA 203(k), Fannie Mae HomeStyle Renovation, & VA Renovation

 

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  • Rodney Mason is a Licensed Branch Manager located in Atlanta, GA.   He can be reached at (404) 591-2453.
  • Providing financing for all cities across Georgia including: Acworth, Albany, Alpharetta, Athens, Atlanta, Augusta, Austell, Avondale Estates, Blairsville, Bloomingdale, Blue Ridge, Bogart, Brunswick, Buckhead, Buford, Canton, Carrollton, Cartersville, Chatsworth, Clayton, College Park, Columbus, Commerce, Conyers, Covington, Cumming, Dahlonega,  Dacula, Dalton, Dawsonville, Decatur, Doraville, Douglasville, Duluth, Dunwoody, East Point, Fayetteville, Flowery Branch, Gainesville, Greensboro, Hampton,  Hapeville, Hinesville, Hiram, Jackson, Jefferson, Jonesboro, Kennesaw, Lagrange, Lawrenceville, Lilburn, Lithia Springs, Macon, Madison, Metter, Morganton, Morrow, Newnan, Norcross, Oakwood, Peachtree City, Pooler, Richmond Hill, Riverdale, Rome, Roswell, Sandy Springs, Savannah, Scottdale, Statesboro, Stockbridge, Stone Mountain, St Marys, Sugar Hill, Suwanee, Thomasville, Thunderbolt, Tucker, Tybee Island, Valdosta, Waleska, Warner Robins, Waycross, Wilmington Island, Winder, Woodstock, and many more.

    Providing financing for all cities across Alabama including:
    Alabama Port, Anniston, Athens, Auburn, Bessemer, Birmingham, Boaz, Bridgeport, Cedar Bluff, Chickasaw, Clayton, Coden, Dauphin Island, Decatur, Dothan, Eufaula, Fairfield, Fairhope, Florence, Foley, Forestdale, Fort Morgan, Fort Payne,Gasden, Grand Bay, Gulf Shores, Heron Bay, Homewood, Hoover, Jasper, Josephine, Madison, Meadowbrook, Midfield, Mobile, Mon Louis, New Hope, Orange Beach, Oxford, Oyster Bay, Phenix City, Prichard, Rainbow City, Saraland, Satsuma, Scottsboro, Selma, Troy, Theodore, Tillmans Corner, Trussville, Tuscaloosa, Vestavia Hills, Warrior and many more.

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  • Providing financing for all cities across Florida including: Altamonte Springs, Atlantic Beach, Boca Raton, Bradenton, Cape Coral, Clearwater, Coral Springs, Daytona Beach, Delray Beach, Destin, Fort Lauderdale, Fort Myers, Fort Walton Beach, Gainesville, Hollywood, Homestead, Jacksonville, Jupiter, Key Largo, Key West, Lake City, Largo, Marathon, Mexico Beach, Miami, Naples, New Smyra Beach, Ocala, Orlando, Palm Coast, Panama City Beach, Pensacola, Pompano Beach, Port St Joe, Sanibel Island, Sanford, Sarasota, St Augustine, St Petersburg, Tallahassee, Tampa, Vero Beach, West Palm Beach, & Winter Park, and many more.

 

  • Providing financing for all cities across South Carolina including: Aiken, Anderson, Beaufort, Bluffton, Charleston, Columbia, Conway, Edisto Island, Florence, Greenville, Hilton Head, Johns Island, Myrtle Beach, North Augusta, Orangeburg, Rock, Hill, Spartanburg, Sullivans Island, Summerville, and many more.  
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    Providing financing for all cities across Tennessee including: Athens, Brentwood, Bristol, Chattanooga, Clarksville, Cleveland, Cookeville, Dyersburg, Franklin, Gatlinburg, Greeneville, Johnson City, Kingsport, Knoxville, Maryville, Memphis, Morristown, Murfreesboro, Nashville, Newport, Oak Ridge, Pigeon Forge, Sevierville, and many more

 

All mortgage lending guidelines are accurate at time of post, but are subject to change without notice.  Please call for the most current information.

    

          GR - Reverse Mortgage Certified GR - Renovation Certified GR - VA Loan Expert

Comments(3)

Wayne Martin
Wayne M Martin - Oswego, IL
Real Estate Broker - Retired

Good morning Rodney. ADU's are becoming much more popular and if I lived where I could add one, I would have to give it serious thought. Enjoy your day.

Sep 07, 2024 07:22 AM
Bill Salvatore - East Valley
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em: golfArizona@cox.net

Great information. Thanks for sharing, enjoy your weekend, and

here's a GOOD LUCK to your favorite Football Team! Bill

 

Bill Salvatore / Arizona Elite Properties 

Sep 07, 2024 07:49 AM
George Souto
George Souto NMLS #65149 - Middletown, CT
Your Connecticut Mortgage Expert

Rodney Mason, VP of Mtg Lending we have had a few ActiveRain Weekly ZOOM Meetings on ADU's, you may want to join in on the next one.

Sep 07, 2024 02:44 PM