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Mortgages FAQs
Understanding your financing options shouldn't feel complicated. Whether you're buying a home, refinancing, using your home's equity, investing in real estate, or considering an FHA, VA, jumbo, or other loan option, the right information can help you make a more confident decision.
Here are answers to some of the questions we hear most often from California homebuyers, homeowners, and real estate investors.
Mortgage Questions Answered
Construction & ADU FinancingBuying a HomeFHA LoansHome Equity & HELOCsInvestment Property FinancingReverse Mortgages
What loan options are available for building an ADU?
Depending on the project, financing options may include construction loans, renovation financing, cash-out refinancing, HELOCs, or other specialized lending programs.
Can construction costs be included in my financing?
Many construction and renovation loan programs are specifically designed to include eligible construction costs as part of the financing package.
How does a construction loan differ from a traditional mortgage?
Construction loans are typically structured to fund building costs during the construction process. Once the project is complete, the loan may convert to permanent financing or be refinanced into a traditional mortgage.
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