Financing Your Tiny Home or ADU
Financing a tiny home or ADU often looks different than a traditional mortgage. Depending on your project, you may explore personal loans, construction loans, home equity financing, or lenders who specialize in small and alternative housing. Below is a list of lenders who work with tiny home and ADU buyers, followed by additional resources to help you understand your options.
Meredith Munger
ADULoans.net
619-329-7967
meredith.munger@ccm.com
We focus on helping families in California and Arizona buy, build, renovate and refinance Accessory Dwelling Units.
Jill James
Nexa Lending
908-391-2051
jjames@nexalending.com
Offering a 25-year loan for tiny homes with as little as 5% down. This loan can fund land, development, home or all 3.
RJ Jaramillo
US Tiny Loans
619-354-7750
info@ustinyloans.com
Nationwide lender and consultant specializing in Tiny Homes, Modular Homes, Barndominiums and ADUs.
Still Trying to Make Sense of It All?
Financing a tiny home or ADU isn’t always a straightforward path — and that’s okay. Whether your home will sit on wheels, be permanently attached to land, or serve as a backyard ADU, there’s a financing option built for situations like yours. The key is understanding which category your project falls into and which lenders specialize in that space.
If you’d like a deeper dive, we put together a full breakdown of tiny home and ADU financing — covering RV loans, chattel loans, HELOCs, construction loans, and more — over on the TinyFest blog.
This doesn’t have to be a journey you take alone. Talk to the lenders listed above, ask questions, and don’t be afraid to get a little creative — many tiny home owners have found financing paths they never expected once they started exploring.
