Lighthouse Credit Union

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ADU Home Renovation Loans

ADU Home Renovation Loans

Expand your possibilities

Finance based on your projected equity

Expand your possibilities. Make room for more with an in-law apartment, accessory dwelling unit (ADU), or some major upgrades to your home.

Convenient and quick application process with no need for refinancing

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Enjoy flexible repayment plans that fit your budget

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Keep your current mortgage and its rate intact

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ADU Home Renovation Loan Rates

Effective 02/03/2026

TermInterest RateAPRLoan to Value Ratio
60-107 Months6.74%7.423%Up to 80%
108-120 Months6.94%7.318%Up to 80%
121-180 Months7.24%7.587%Up to 80%
181-360 Months7.74%7.993%Up to 80%

Membership means more at Lighthouse

Being a credit union member supports community impact by helping fund local programs through reinvested earnings. 

Affordable Housing

We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.

Volunteering

Our employees are given paid time off to volunteer for community programs of their choice.

Local Organizations

We partner with organizations that help to enrich and nourish the lives of our neighbors.

Food Access

We fund programs that help fight food insecurity across our communities.