HELOC vs Construction Loan for Your Granny Flat
Heloc

HELOC vs Construction Loan for Your Granny Flat

Considering a 2026 granny flat addition? Explore how a HELOC provides flexible access to home equity, contrasted with the milestone-based structure of construction loans. Evaluate costs, timelines, and return on investment to select the financing that ensures project success and boosts property value.

By Katlyn Polino•January 25, 2026
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Turning Home Equity Into Energy-Saving Upgrades

Turning Home Equity Into Energy-Saving Upgrades

Competitive refinance rates in 2025 present an ideal opportunity for homeowners to access equity and invest in energy-efficient upgrades. Through cash-out refinancing, fund essential improvements such as advanced insulation, high-efficiency HVAC systems, and solar installations that deliver substantial energy savings and elevate home value. This approach aligns financing with performance to foster long-term efficiency, comfort, and financial security.

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HELOC vs Construction Loans for Your Granny Flat

HELOC vs Construction Loans for Your Granny Flat

Planning a granny flat for 2025 requires smart financing amid rising costs. This guide compares HELOCs and construction loans, detailing how each works, associated costs, timelines, and ideal applications to help you fund your accessory dwelling unit effectively, prevent delays, and enhance long-term property value.

Stacy Cadri•Nov 24
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HELOCs vs Construction Loans for Granny Flats

Constructing a granny flat in 2025 offers opportunities to increase property value and generate income, yet selecting appropriate financing proves essential. This analysis examines home equity lines of credit and ADU construction loans, including expenses, durations, advantages, drawbacks, and qualification criteria, to assist homeowners in determining the most suitable option based on equity, objectives, and project scale prior to initiating construction.

•4 min read
By Becca Roberts