What construction-loan structures does Avorino work with?

Construction-to-perm (one-close), two-close construction + permanent, ADU-specific products, owner-builder, and lot loans. We refer most clients to NexWin Capital Corp.: their lending partners underwrite the project, not just the borrower.

What's a typical construction-loan rate range for an Orange County ADU?

Construction-phase rates typically run 7–9% (interest-only on the draw schedule) and rollover-to-perm rates depend on the final appraisal + the prevailing 30-yr market when the project finishes.

How much equity do I need for a construction loan?

Most lenders look for 20–30% equity-in (lot value + cash) against the total project cost. Owner-builder products can sometimes accept less.

Do you handle the loan paperwork?

We don't, that's the lender's job and we don't take referral commissions. We do introduce you to two or three partners that match the project type and stay in the loop on draw schedules + appraisal coordination.

Financing · Avorino

ADU financing and construction loans, structured for the build.

Avorino works with construction-loan partners who underwrite for the project. Adjust the sliders to see a sample monthly during construction and after rollover to permanent debt.

Call (714) 900-3676 Talk about your deal

Material-finish detail — niche reference

Construction-to-perm
Single close
Single close. Construction draws during build, refinances to fixed-rate perm at Certificate of Occupancy. One closing, one fee schedule.
Construction-only
Two-close
Two-close structure. Build with one lender, take out perm with another. Use when comparing perm rates matters.
Owner-builder
Tight underwriting
When the owner runs the GC role. Limited cases, tighter underwriting, higher equity asks.
Bridge + lot
Pre-construction
Funding the lot purchase + pre-construction soft costs (architect, engineer, soils, survey).
Renovation
Reno-specific
Reno-specific products that fund staged draws against renovation milestones. Different underwriting from purchase-money.
HELOC / home equity
Common for ADUs
Borrow against the equity in your primary home — often the simplest route for an ADU when the equity is there. Keeps your first mortgage untouched.

Cost clarity

Know your numbers before you build.

Real-time cost visibility starts before drawings. Avorino introduces you to construction-loan partners who underwrite against the same architectural set we'll build from — so the package the lender quotes is the package we'll actually deliver.

Soft-pull eligibility read first — no SSN on the initial check
Construction-to-perm and construction-only structures available
Architectural set + draw schedule shared at intro
Single point of accountability from underwriting through Certificate of Occupancy refinance

Process

How a construction loan actually closes.

Scroll through the financing flow. Pre-qual, plans, underwriting, draws, refinance — each step swaps the wireframe behind the copy.

Pre-qualification

We introduce you to construction-loan partners who fit your deal profile. They quote rates and terms; you pick.

Funded projects

Recent Avorino builds backed by our partners.

See more on Instagram@avorinoconstruction

How Avorino closes your construction loan

We route you to the partner that fits the deal.

Avorino routes most of our construction-loan referrals to NexWin Capital Corp. They place deals with lenders who underwrite the project, not just the borrower, and who handle ADU draws + construction-to-perm rollovers for OC builds. Talk to us first; if a NexWin Capital Corp. product looks like the right fit, we'll introduce you directly.

Construction-to-perm, two-close, owner-builder, lot, and ADU-specific products. Underwriting tuned to OC permitting cycles.

Explore loan options at NexWin Capital Corp.

Not sure what to finance yet?

Get your ADU cost estimate first.

See a real Orange County ADU cost range on-screen in under a minute — then we'll structure the loan around a number you can trust.

Get my ADU cost estimate →Call (714) 900-3676

Talk To Us

Tell us about the project.

Tell us the build, the rough budget, and how you're hoping to finance it. We'll follow up as soon as possible with construction-loan partners that actually fit the deal — no shared lists, no commission to us.

7+YearsOrange County experience
B-#1107538LicenseCalifornia General-B
37OC Cities + CommunitiesCoverage across all of Orange County
4.8★RatingYelp

Direct line

Prefer a phone call?

Call(714) 900-3676 Same-week free consultation

Construction-to-perm (one-close), two-close construction + permanent, ADU-specific products, owner-builder, and lot loans. We refer most clients to NexWin Capital Corp.: their lending partners underwrite the project, not just the borrower.

Work out the monthly payment

The ADU Loan Calculator shows the monthly payment, total interest, and total repaid on an ADU build, and compares a HELOC, a cash-out refinance, construction-to-permanent, and renovation loans by what each one is underwritten on. No email required.

Run the loan calculator →

Service areas

ADU financing and construction loans, structured for the build.

Construction-to-perm

Construction-only

Owner-builder

Bridge + lot

Renovation

HELOC / home equity

Know your numbers before you build.

How a construction loan actually closes.

Pre-qualification

Plans + appraisal

Underwriting + close

Draws during build

Certificate of Occupancy + refinance