Flexible Financing for ADU in San Diego
An ADU, garage conversion, or room addition is a significant investment, and you shouldn’t have to drain savings or put the whole thing on a high-interest card just to get it done. Fielding ADU San Diego works with homeowners to make payments manageable, and the first step is a phone call to (858) 264-3027. We’ll walk you through what your project costs, in writing, before you commit to anything. No pressure, no mystery numbers, just real options laid out on paper.
Payment Options We Offer
Financing Plans
We work alongside lenders who specialize in home improvement and ADU construction, and we’ll help you start that conversation. Terms vary by lender, your credit profile, and the project scope, so we won’t quote an APR over the phone. What we do promise is that we’ll explain every option in plain English and never push you toward a plan you don’t understand.
Major Credit Cards
Paying by card is straightforward and many homeowners use it for deposit payments or smaller scope work like a garage conversion. If you have a card with rewards or a promotional rate, we’re glad to take it. We’ll confirm which cards we accept when you call.
Cash or Check
Cash and check remain the simplest route and often save you money on financing costs entirely. We schedule payments around project milestones, so you’re not handing over the full balance before any work begins. The milestone schedule is spelled out before we ever pick up a hammer.
Up-Front Written Pricing
Here’s the part that separates us from the contractor who gives you a “rough number” and then revises it twice. The Garrison Code includes a written price before any work starts: the number you approve on day one is the number on the final invoice. That makes financing decisions easier because you know exactly what you’re borrowing for.
Simple Application Process
Step one: call (858) 264-3027 and tell us what you’re thinking about building, whether that’s an attached ADU in North Park, a detached unit in Clairemont, or a garage conversion in Chula Vista. Step two: we’ll ask a few basic questions about your project and timeline, then connect you with a lender who can pre-qualify you quickly, often with a soft credit check that won’t dent your score. Step three: you’ll choose the plan that fits your budget, we put the final price in writing, and we schedule the start date. Most homeowners complete all three steps within a week.
Reed Calloway, Owner of Fielding ADU San Diego, insists on this: nobody signs anything they don’t fully understand. If a lender throws jargon at you, we translate. If a term doesn’t make sense, we ask them to explain it again. We’ve been doing this since 2006 through the Garrison Partners family, and the process hasn’t changed because it works.
Frequently Asked Questions
Yes. We work with lenders who specialize in construction and home improvement financing, and we’ll help you start the pre-qualification process during your first call. Rates and terms depend on the lender, so we won’t invent a number here. Call (858) 264-3027 and we’ll get you real numbers from a real lender.
Typically you’ll need basic identification, proof of income, and a rough idea of your credit standing. The lender will walk you through what they need, and the pre-qualification step is usually quick and low-pressure. We’re in the loop the whole time so you’re never alone with a stack of fine print.
No. Estimates are always free, and that includes the time we spend discussing financing options and answering questions. You won’t pay a dime until you approve a written price and we start work. Call (858) 264-3027 to schedule yours.
That depends on the offer and the lender. Some promotions apply to the project price regardless of how you pay, while others are tied to specific payment methods. We’ll tell you before you sign anything. The Garrison Standard means no buried exclusions and no surprises on the final invoice.
No. The payment schedule is written down before work begins, with each milestone tied to specific completed work. If a foundation inspection passes in Ocean Beach, that’s the trigger for that payment, not a contractor’s whim. What we quote is what you pay.
Ready to see a real number for your ADU in San Diego? Call (858) 264-3027 now. A live person answers, and your estimate is free.
Written by Reed Calloway, Owner at Fielding ADU San Diego, serving San Diego since 2006.
