Flexible Financing for ADU in San Jose
A big build should never be derailed by a rigid payment schedule. Call Lodgewick ADU San Jose at (669) 266-4319 and we’ll walk you through payment options that fit how you actually manage money. We keep this simple: no hidden fees, no surprise terms, and a written price before anything starts. Financing an accessory dwelling unit can feel overwhelming, but the process with us is straightforward and built around your budget.
Payment Options We Offer
Financing Plans
For larger projects like a full ADU build or a garage conversion, spreading the cost over time often makes the most sense. Russ Delmar and the team at Lodgewick ADU San Jose can connect you with a straightforward route to financing. We’ll explain the process in plain English, including what to expect for a project of your size, so there are no surprises.
Major Credit Cards
Using a card works well for deposits, material purchases, or smaller phases of a build. We accept all major cards issued by U.S. banks. That flexibility helps a lot of homeowners in San Jose manage cash flow during a project without needing to liquidate anything.
Cash or Check
Paying by cash or check is always welcome, and many homeowners prefer it for keeping the accounting clean. If you’ve been planning your ADU for a while and have the funds set aside, this is the simplest route. We’ll provide a written payment schedule tied to project milestones, so you always know what’s due and when.
Up-Front Written Pricing
Before any work starts, you get a written price that does not change at the door. That’s a Kingswell standard, and Lodgewick ADU San Jose follows it on every project. If the scope needs to change mid-build, we put any adjustment in writing and get your sign-off before proceeding. No verbal surprises, no “we’ll figure it out later.”
Simple Application Process
Here’s how it works. First, call (669) 266-4319 and tell us about your project, whether it’s a detached ADU, a garage conversion, or a home addition. Second, we have a quick conversation about your goals and budget. That pre-qualification talk usually takes under fifteen minutes and gives you a clear picture of what’s available for your situation. Third, you choose the payment plan that fits. Russ Delmar will walk you through the timeline, the payment milestones, and the written guarantee before you sign anything. The entire process is designed to be boringly predictable, because that’s what a big project should feel like.
Frequently Asked Questions
Yes, we can connect you with financing options for accessory dwelling units, garage conversions, and home additions in San Jose. Terms vary by project size and your own financial picture. Call (669) 266-4319 and we’ll explain what’s realistic for your build, no obligation.
You’ll typically need proof of income, basic identification, and information about the property where the ADU will be built. The pre-qualification conversation with Lodgewick ADU San Jose is quick and straightforward. We’ll tell you exactly what to have ready when you call.
No. Estimates are free, always. We come out, look at your lot and your existing structure if you’re converting a garage, and give you a written price. You’ll know the full scope of the project cost before you commit a dollar. There’s no charge for the visit and no obligation to proceed.
Sometimes, yes. It depends on the specific offer and the terms of the financing arrangement. When you call (669) 266-4319, mention any promotions you’ve seen or heard about, and we’ll tell you honestly whether they can stack. We’d rather you get the best possible deal than hide behind fine print.
For a garage conversion, payments are typically broken into milestones: deposit, framing or foundation work, rough-in, and final completion. Each payment is tied to a phase you can see and verify. We put the schedule in writing before work begins, so you’ll never be asked for money ahead of the agreed milestone.
It won’t, unless you change the scope. If you decide mid-project to add a bathroom, upgrade to James Hardie siding, or expand the footprint, we’ll price that change separately in writing and get your approval first. The original written price stands. That’s part of the 365-Day Done Right Promise and The Kingswell Way: say the price before the work, and stick to it.
Yes. Permitting for accessory dwelling units in San Jose has its own quirks, including specific setback and height rules that vary by neighborhood. We handle the permit application, the inspections, and the paperwork. It’s part of the job, not an add-on fee. Russ Delmar has navigated this process long enough to know when the city will be quick and when it’ll take patience.
Written by Russ Delmar, Owner at Lodgewick ADU San Jose, serving San Jose homeowners since 2010 with ADU builds, garage conversions, and home additions under The Kingswell Guarantee.
