Most fully installed Mesocore ADU projects fall in the $130k to $160k range.
Free · Soft check · Won't affect your credit
Powered by HFS Financial
Adding an ADU shouldn't mean putting your home on the line.
No equity required
Borrow against your project, not your home. No HELOC, no refi, no second mortgage.
Won't impact your credit score
The inquiry uses a soft credit check. Your credit score stays exactly where it is.
Up to 120% financing
Cover the full build, plus up to 20% extra for change orders or upgrades along the way.
Fixed rates, predictable payments
Lock in fixed-rate terms up to 20 years. What you sign is what you pay.
Funds paid directly to you
Loan proceeds land in your checking account. You stay in control of the project.
Fast approval, fast funding
Pre-qualified in 60 seconds. Loan terms within 24 hours. Funds in as little as 48 hours after approval.
From inquiry to funded,
in days, not months.
Ready to start step 1?
Free · Soft check · 1 minute
Buying a Mesocore home as your residence?
For a full home purchase, we partner with Ocean Capital Lending. One process from land acquisition through mortgage.
Whether you are building a custom home using a Mesocore Expandable Core on your own lot or purchasing in one of our master-planned developments, your financing covers land and construction before converting seamlessly to a traditional mortgage. Ocean Capital specializes in exactly that path.
Common questions about ADU financing.
Will inquiring affect my credit score?
No. HFS uses a soft credit check to show your rate. It does not affect your credit score.
Do I need home equity to qualify?
Will adding an ADU increase my property value?
How much can I finance?
What are the rates and terms?
Who qualifies?
How fast can I get funded?
Can I use HFS to expand my Mesocore home later?
Who is HFS Financial?
Ready to see what your ADU could cost per month?
Free. 1-minute soft credit check. No impact on your credit score.
Most fully installed Mesocore ADU projects fall in the $130k to $160k range.
HFS Financial is not a lender. Information submitted is not an application for a loan from HFS Financial.
Loan programs are offered by third-party lenders, subject to credit approval. Rates, terms, and availability subject to change. Not all applicants will qualify.
