NPHS Factory-Built ADU Financing Program

Up to $100,000

6.99% APR
20-Year Loan Term
No Pre-Payment Penalty

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An Affordable Eco-Friendly Solution

Today’s factory-built ADU’s are hand crafted in dedicated home building facilities, staffed and supervised by professional teams in a secure environment. Homes are built indoors (meaning no weather delays) and factories allow for a greater degree of quality control for each home built. These facilities can build homes in a much faster and more cost-effective way than traditional home builders-meaning less cost for your new home.

Advances in offsite construction housing technology have made factory-built homes a more appealing ADU option on many levels. This innovation offers  customizable, energy-efficient, quality homes built faster, less expensive, and constructed using environmentally friendly building techniques.

  • Available to income-qualified homeowners who are ready to purchase a Factory-Built ADU for their primary residence
  • Up to $100,000 available for the purchase and installation of a Factory-Built ADU
  • Rates as low as 6.99% APR and subject to enrollment in ACH withdrawal for payments. Non enrolled homeowners will have a 7.25% APR.
  • 20-year loan term
  • No pre-payment penalty
  • Homeowner must have submitted approved plans to their local municipality for approval of construction and connected with a licensed contractor to get project estimates.
  • NPHS will provide financing for the Factory-Built ADU purchase along with any other construction related costs up to $100,000
  • CLTV not to exceed 85% at completion of project
  • Borrower must have a minimum credit score of 620
  • Families earning at or below 80% of the HCD household income limits for San Bernardino/Riverside/Los Angeles County
Household SIzeRiverside/San Bernardino CountyLos Angeles County
1$44,250$66,250
2$50,600$75,700
3$56,900$85,150
4$63,200$94,600
5$68,300$102,200
6$73,350$109,750
7$78,400$117,350
8$83,450$124,900

Factory-Built ADU Financing Workflow

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Factory Built ADU