Flexible Financing for ADU in Pomona
Adding an ADU in Pomona is one of the larger investments you’ll make on your property, and we don’t think the payment side should feel harder than the build itself. Call us at (657) 286-7915 and we’ll walk through what your project actually costs, then how to spread that cost in a way that works for your situation. Most of our clients are surprised by how straightforward the financing conversation is compared to what they expected.
Payment Options We Offer
Financing Plans
We’ve worked with enough Pomona homeowners to know that paying out of pocket isn’t always the right move, even when the cash is available. Financing lets you preserve liquidity for the surprises that come with any property project, soil conditions being the one that catches people most often in the north Pomona hills. We can connect you with lending options that cover the full project scope under our single contract, so you’re not juggling separate loans for design, permitting, and construction. The application process is typically a short phone conversation, and you’ll know quickly what you qualify for.
Major Credit Cards
For smaller phases of the project, or for clients who prefer to earn points or manage cash flow through their existing credit lines, we accept all major credit cards. This works well for clients who want to put the initial design deposit on a card while they finalize longer-term financing for construction, or for those who simply prefer the consumer protections that come with their card issuer. We’ll note this on your written quote so there’s no confusion about payment method when each milestone arrives.
Cash or Check
Some of our Pomona clients, particularly those who’ve been saving specifically for this project or who are tapping home equity through a separate refinance, prefer to pay by cash or check. That’s fine with us. Under Haven Standard Clause 1, your written price is your written price regardless of how you choose to pay. We don’t offer discounts for cash that we’d then hide from financed clients, and we don’t tack on fees for financing that we’d hide from cash clients. The number on the page is the number.
Up-Front Written Pricing
This isn’t a payment method, but it’s the foundation every payment method rests on. Before you decide how to pay, you need to know what you’re paying for. We deliver a line-item written quote that covers ADU design and permitting, construction, site prep and utilities, and any prefab or modular system coordination. Every line item has a price. Nothing is marked “TBD” or “allowance to be determined later.” That matters for financing because lenders want to see a real number too, not a guess that balloons after you’ve already borrowed.
Simple Application Process
Step 1: Talk to us about your project. Call (657) 286-7915 or come by the studio. We’ll ask about your property, your goals for the ADU, and your rough budget range. This isn’t a credit check, it’s a conversation. We want to understand whether you’re looking at a garage conversion in Lincoln Park, a detached unit in Phillips Ranch, or a junior ADU in the downtown core, because each has different cost drivers that affect how you might structure payments.
Step 2: Quick pre-qualify conversation. Based on your project scope and what you’ve told us about your financial picture, we’ll suggest financing paths that have worked for similar Pomona clients. This is not a formal application, there’s no hard credit pull, and you’re not committing to anything. It’s a 10-minute call to narrow down which options are worth your time to pursue formally.
Step 3: Choose your plan and lock your scope. Once you’ve selected how you want to pay, we finalize your written quote under Haven Standard Clause 1 and move into design and permitting. Your payment schedule is tied to project milestones, not calendar dates, so you’re never paying ahead of work completed. And because we’re a one-contract design-build studio, there’s no finger-pointing between designer and builder if a milestone needs adjustment.
Frequently Asked Questions
Yes, we connect Pomona clients with financing options that cover the full project under our single contract. Call (657) 286-7915 to discuss what your project costs and which payment structure fits your situation.
Typically you’ll need proof of income, a recent credit report, and your written project quote from us, which we provide free. The specific documentation varies by lender, and we’ll tell you exactly what’s needed once we understand your project scope. Call (657) 286-7915 to start with a free estimate and written quote.
No, our estimates are free and include a line-item written quote under Haven Standard Clause 1. You’ll know your full project price before any work starts and before you make any financing decisions. Call (657) 286-7915 to schedule yours.
Yes, many clients split their project across financing, cash, and credit card depending on the phase and what makes sense for their cash flow. We’ll structure your payment schedule accordingly, and every dollar is documented in your written quote. Call (657) 286-7915 to discuss what combination works for your Pomona ADU project.
Written by Nadia Ellery, Owner at Ellery ADU Studio Pomona, serving Pomona since 2015.