Two-story detached ADU built by Avorino in Santa Ana Hills: the rear elevation, a putting green and the pool

Kitchen of an Avorino custom home in Aliso Viejo: a waterfall island with bar stools under recessed lights

Financing · Avorino

Orange County, California

Construction financing in Orange County

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

Built by Avorino · Santa Ana HillsB-#1107538 · 37 OC cities & communitiesScroll to explore ↓

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

Sample borrowing widget

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.

Sample borrowing widgetSample · not a quote

Project cost$400K

Equity in25%

Loan amount: $300K
During construction (interest-only): ~$1,875/mo
After rollover (30-yr perm): ~$1,936/mo

Sample numbers calibrated to current OC market — not a quote. Real terms come from the construction-loan partners we'll introduce you to.

What we structure (6)

Six loan structures.

Construction-to-perm, construction-only, owner-builder, bridge + lot, renovation, home-equity — Avorino routes you to the lender partner whose product fits your deal profile.

Talk about your deal

01 Construction-to-perm

Single close. Construction draws during build, refinances to fixed-rate perm at Certificate of Occupancy. One closing, one fee schedule.

Single close

02 Construction-only

Two-close structure. Build with one lender, take out perm with another. Use when comparing perm rates matters.

Two-close

03 Owner-builder

When the owner runs the GC role. Limited cases, tighter underwriting, higher equity asks.

Tight underwriting

04 Bridge + lot

Funding the lot purchase + pre-construction soft costs (architect, engineer, soils, survey).

Pre-construction

05 Renovation

Reno-specific products that fund staged draws against renovation milestones. Different underwriting from purchase-money.

Reno-specific

06 HELOC / home equity

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.

Common for ADUs

Designed and built by Avorino · Garden Grove

What each draw pays for.

A time-lapse visualization of a detached ADU build in Garden Grove, from excavation to the finished exterior. Inspector visits each milestone; lender funds the draw; we keep building. Cycle repeats every 2–4+ weeks.

Time-lapse visualization of an Avorino detached ADU build in Garden Grove, from excavation to the finished exterior

01 / 05ExcavationThe pad dug out behind the block wall.
02 / 05FoundationForms set and the slab poured.
03 / 05FramingThe wall framing rises from the slab.
04 / 05Closed inRoof on, walls wrapped, windows in.
05 / 05FinishedThe finished exterior, with its gabled entry porch.

Process

How a construction loan actually closes.

Pre-qual, plans, underwriting, draws, refinance: the five steps of a construction loan, in order. From early project review to final approval and refinance — five phases.

One conceptual ADU, from the first read to the keys. Schematic, not an engineering detail.

01 / 05

Pre-qualification

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

What does a construction loan for an Orange County ADU look like?

Construction-phase rates typically run 7–9%, interest-only on the draw schedule; the rollover-to-perm rate depends on the final appraisal and the 30-year market when the project finishes. Most lenders look for 20–30% equity-in (lot value plus cash) against the total project cost. Closing typically takes 30–60+ days from package.

Talk about your deal

By the numbers

construction-phase rate, interest-only on the draws: 7–9%
equity-in most lenders look for: 20–30%
days to close, from package: 30–60+

The five steps of a construction loan

01Pre-qualification
02Plans + appraisal
03Underwriting + close
04Draws during build
05Certificate of Occupancy + refinance

How Avorino closes your construction loan

NexWin Capital Corp.

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.

01 / The estimate

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

02 / The payment

ADU Loan Calculator

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.

Before you compare loans, know that the state grant route is not open: ADU grants in California covers the CalHFA ADU Grant Program, fully allocated since December 28, 2023 as of CalHFA’s last update (archived July 14, 2026).

For the loan options themselves, side by side: ADU financing options for 2026 walks through how to fund an ADU in California and what each route is underwritten on.

Run the loan calculator

01 / 08

See more on Instagram@avorinoconstruction

01 / Loan structures and partners

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.

Do you handle the loan paperwork?

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

02 / Rates and equity

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.

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.

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

01Project
02Plans
03Context
04Contact

What are you financing?

Pick the closest build. We'll match the loan structure to it.

Service

Service areas