Flexible Financing for ADU Projects in Chino
Call (909) 323-1107 and we’ll walk you through payment options that keep your ADU project moving. At Ellery ADU Studio Chino, we’ve learned that the biggest obstacle to building an accessory dwelling unit isn’t design or permitting - it’s worrying about how to pay for it. We’re upfront about costs from day one, and we work with Chino homeowners to find approaches that fit real budgets.
Payment Options We Offer
Financing Plans
Third-party financing is available for qualified Chino homeowners who prefer to spread ADU costs over time. We’ve seen clients use home equity products, renovation-specific loans, and construction-phase financing that aligns draws to inspection milestones. The key is matching the loan structure to your project type - a garage conversion ADU with a shorter timeline needs different terms than a new detached ADU with full site prep and utility trenching. We’ll point you toward options we’ve seen work for Chino projects, and you’ll deal directly with the lender; no markup, no middleman.
Major Credit Cards
We accept Visa, Mastercard, American Express, and Discover for deposits, progress payments, or full project settlement. Some Chino clients use cards for the initial design and permitting phase, then switch to financing for construction. Under Haven Standard Clause 1, your written price is locked before any payment is due, so you’ll know exactly what goes on the card.
Cash or Check
Paying by cash or check earns a prompt-pay consideration on every Ellery ADU Studio Chino contract. No points, no interest, no application - just the written price we agreed to at signing. Several College Park and Ontario Ranch clients have gone this route after selling a previous property or accessing savings earmarked for investment.
Up-Front Written Pricing
This isn’t a payment method, but it’s the foundation of every method we offer. Before you choose how to pay, you get a line-item written quote: design hours, permit fees, construction labor, materials, site prep, utility connections, and final inspection. Nothing hidden, nothing held back. The words “call for a quote” don’t appear anywhere in our process because the quote is already written when we talk.
Simple Application Process
Step 1: Talk to us about your Chino property. Call (909) 323-1107 or walk through your lot with Nadia Ellery. We’ll look at setbacks, existing structures, utility locations, and access - the physical facts that determine whether you’re looking at a garage conversion, a junior ADU, or a new detached unit.
Step 2: Quick pre-qualify conversation. Once you have your written price, we can discuss which payment approaches fit your situation. If financing makes sense, we’ll connect you with lenders who understand ADU construction in San Bernardino County. No hard credit pull to start, no obligation to proceed.
Step 3: Choose your plan and lock your scope. Sign with your selected payment method, and Haven Standard Clause 5 (No Surprises) takes effect. The scope, schedule, and price are fixed. Your documented photo record begins on the first site visit, and the 365-Day Done Right Promise is in writing before any ground is broken.
Before
AfterFrequently Asked Questions
Yes, we connect qualified homeowners with third-party financing options suited to ADU construction timelines. We don’t lend directly - we’re builders and designers, not bankers - but we’ve worked with enough Chino projects to know which loan structures align with garage conversions versus new detached units. Call (909) 323-1107 to discuss your project and we’ll point you toward options that match your scope.
You’ll need your written Ellery quote, proof of income, and standard homeownership documentation. Most lenders want to see that the project has a fixed price and a licensed, insured contractor - both are automatic with our Haven Standard contract. The pre-qualify conversation typically takes 10-15 minutes, and we can schedule it the same week your quote is ready.
No. Our estimates are free, written, and line-item detailed. You’ll know the price for design, permitting, and construction before you commit to anything - including before you talk to any lender. Under Haven Standard Clause 1, the written price comes first; payment discussions happen after, never before.
Written pricing is already our best pricing - Haven Standard Clause 1 means the quote you receive is the floor, not a starting point for negotiation. If you have a written estimate from another Chino ADU contractor, we’ll provide a Free Second Opinion and show you exactly where the scope or pricing differs. Financing is then applied to your locked Ellery price with no stacking games or hidden conditions.
Written by Nadia Ellery, Owner at Ellery ADU Studio Chino, serving Chino since 2015.