Flexible Financing for ADU in Rialto
Most Rialto homeowners don’t have $80,000 sitting in a checking account for an ADU, and they shouldn’t need to. Call us at (951) 476-1467 and we’ll walk you through payment approaches that keep your project moving without the stress of a single massive outlay. At Ellery ADU Studio Rialto, we’ve financed ADU work in neighborhoods from Muscoy to the north end of Bloomington, and we know which structures work for San Bernardino County’s permit timeline.
Payment Options We Offer
Financing Plans
We partner with established home-improvement lending programs that understand ADU construction specifically, not just generic personal loans. These aren’t credit cards with promotional rates that expire mid-project. The lenders we work with have funded garage conversions on Merrill Avenue and new detached units near Rialto High School, so they understand how our one-contract model reduces their risk and yours. Terms vary by borrower, and we won’t know your exact situation until we talk, but most Rialto clients who qualify see fixed monthly payments spread across a timeline that matches their build schedule.
Major Credit Cards
We accept Visa, Mastercard, American Express, and Discover. Some clients in Rialto use cards for the initial deposit to capture points or miles, then transition to financing before the major construction draws begin. Under Haven Standard Clause 1, your written price is locked before any card is charged, so you’re never putting a deposit down against an open-ended estimate.
Cash or Check
No financing, no points games, just a straightforward transfer when milestones are met. Cash-pay clients in Rialto still get the same documented photo record on every visit and the same 365-Day Done Right Promise. We’ve had homeowners in the Reche Canyon area prefer this route after selling a previous property and rolling equity directly into their ADU.
Up-Front Written Pricing
This isn’t a payment method, but it’s the foundation every payment method rests on. Haven Standard Clause 1 requires a written price before any work starts, which means your lender sees a real number, not a guess. We’ve had Rialto clients come to us with estimates from other builders that ballooned 40% during construction because the “price” was really a starting bid. Our written scope locks the line items. Your financing covers what we agreed to, period.
Simple Application Process
Step 1: Talk to us about your project. Call (951) 476-1467 or schedule a site visit. We’ll walk your Rialto property, check setbacks against current San Bernardino County code, and identify whether you’re looking at a garage conversion, detached unit, or JADU. This conversation costs nothing and puts real numbers on paper.
Step 2: Quick pre-qualify conversation. If financing makes sense for your timeline, we’ll connect you with a lending specialist who works with ADU projects regularly. No hard credit pull until you choose to move forward. Most Rialto clients know within one business day whether they have viable options.
Step 3: Choose your plan and lock your scope. Once financing is aligned, we sign the build contract with your written price attached and pull permits. Your first draw happens when construction starts, not before. Every subsequent draw is tied to a documented milestone with photos you receive.
Before
AfterFrequently Asked Questions
Yes. We work with lending programs that specialize in home improvement and understand ADU construction timelines. Most Rialto clients who explore financing find fixed-payment options that match their build schedule. Call (951) 476-1467 to discuss what structure fits your project.
You’ll need your written estimate from us, proof of income, and standard homeownership documentation. The lender handles the rest. Because our one-contract model includes design, permitting, and construction under a single written price, the paperwork is simpler than coordinating separate loans for architect and builder. Call (951) 476-1467 and we’ll explain exactly what to gather.
No. Estimates are free, and they include a site-specific assessment of your Rialto property, a permit feasibility check, and a written line-item price under Haven Standard Clause 1. We also offer a Free Second Opinion if you already have a written estimate from another builder. Call (951) 476-1467 to schedule yours.
Our written pricing is already fixed at the lowest sustainable number under Haven Standard Clause 1, so we don’t run promotional discounts that would require stacking. Financing is available on every project at that same locked price. The value is in the no-surprise structure, not in limited-time gimmicks. Call (951) 476-1467 to review your written quote and payment options together.
Written by Nadia Ellery, Owner at Ellery ADU Studio Rialto, serving Rialto since 2015.