Whether you're building a primary residence or adding an ADU, ESC Homes gives you room to choose. Work with one of our trusted lending partners — or bring your own bank or mortgage company. Because our homes are built like any traditional home, they're financeable like one too.
Every ESC home — primary residence or ADU — is stick-built on a permanent foundation. That means it's considered real property and can be financed through virtually any mortgage lender, just like a site-built house. No specialty financing hurdles, no manufactured-home restrictions.
Permanent foundation means it's financed and appraised like a conventional home.
Conventional, FHA, VA, USDA, construction, and home-equity products can all apply.
Use a lender you already trust, or let us connect you with a proven partner.
Primary residences and ADUs are usually financed differently. Here are the common paths for each — your lender will help you choose the right fit.
We've built relationships with lenders who know our homes and finance both ADUs and primary residences — and you're always free to choose your own.
A trusted partner that finances both primary residences and ADUs built by ESC Homes — a great first call to understand your options.
Apply nowWe offer an additional lending option so you can compare and choose what works best for your budget and goals. Details coming soon.
Ask us about itPrefer your own bank, credit union, or mortgage company? Perfect. Because our homes finance like any traditional home, any lender can fund your ESC build.
Start the conversationAbsolutely. Any mortgage lender can finance an ESC home. Bring a bank, credit union, or mortgage company you already trust — or let us connect you with one of our partners.
No — we're a licensed builder, not a lender. We connect you with trusted lending partners and work smoothly alongside whichever lender you choose.
Often, yes. Home equity loans, HELOCs, and cash-out refinances are among the most common ways homeowners fund an ADU. A lender can help you see how much equity you can use.
Because our homes are stick-built on permanent foundations, they're treated as traditional real property and are generally eligible for conventional, VA, FHA, and USDA programs — subject to each lender's and program's requirements.
Schedule a conversation with our team. We'll walk you through your options, point you to a lending partner if you'd like one, and help you get pre-qualified so you know your budget before you build.
ESC Homes is a licensed Class A Residential Building Contractor (RBC) in the Commonwealth of Virginia — not a lender, mortgage broker, or financial advisor. Financing is provided by independent third-party lenders and is subject to their approval, rates, terms, and eligibility requirements. Loan types and availability vary by lender, program, property, and applicant. Information on this page is general and educational and is not financial, lending, or tax advice. Please consult a licensed lender or financial professional about your specific situation.