Build More Possibilities with Your Home’s Equity
Unlock new living space and new value with a UniBank Accessory Dwelling Unit (ADU) Loan for Massachusetts homeowners. Whether you're creating an in‑law apartment, a rental unit, or extra space for family, we make ADU construction financing simple and accessible.
Why Build an ADU?
An Accessory Dwelling Unit (ADU) is a self‑contained housing addition on your primary property. It is perfect for extended family, rental income, or flexible multi‑generational living. With UniBank, you can use your home’s equity to bring this new space to life.
Highlights:
- Borrow up to 90% combined loan-to-value, subject to credit qualifications and property evaluation
- Maximum loan amount: $500,000
- Designed specifically for Accessory Dwelling Unit construction
Requirements:
- Requires an accepted contract agreement and cost breakdown from a licensed contractor
- Property must meet local zoning ordinances
- Available for Massachusetts primary residences only
1 Subject to credit approval and property eligibility. Hazard insurance required. Additional terms, conditions, and fees may apply.
2 A written copy of zoning approval from the city or town is required.
2 A written copy of zoning approval from the city or town is required.