Accessory Dwelling Unit Financing
Expand your home. Expand your options.
Create more space for family, rental income, or your next chapter — with financing that fits your needs.
Ready to explore your ADU idea?
What Is an ADU?
An Accessory Dwelling Unit (ADU) is a smaller, independent living space on your property — like an in-law suite, basement or garage conversion, or a detached backyard cottage.
ADUs can make it easier to:
- Support aging parents
- Give adult children an affordable place to live
- Create space for returning family members
- Add flexibility for changing needs
Why Build an ADU?
ADUs are becoming more popular across Massachusetts because they offer:
- Multigenerational housing options
- Potential rental income
- Additional living space without moving
- Long-term property value
- A practical solution to rising housing costs
A well-planned ADU can provide both financial and lifestyle benefits.
Financing Options at Metro
Whether you’re converting an existing space or planning a new detached unit, Metro offers flexible ways to finance your project.
Possible options include:
- Home Equity Loans
- Home Equity Lines of Credit (HELOC)
- Renovation or construction-style financing
- Cash-out refinancing solutions
Not sure which one is right for you? A Metro mortgage specialist can walk you through your options and help you understand what fits your goals and budget.
How to Get Started
Building an ADU can feel like a big step — but we’ll help you take it one stage at a time.
1. Talk with a Metro specialist
Share your project idea and what you want to create.
2. Explore financing options
We’ll help you understand what’s possible based on your home, budget, and plans.
3. Start your ADU project with confidence
With the right financing plan, you’ll be ready to build the space that works for your life.