How To Finance Your ADU With A "HECM" Reverse Mortgage.

How To Finance Your ADU With A "HECM" Reverse Mortgage


We speak with senior homeowners everyday who would love to add a 'BACKYARD HOME' to their property but just don't have the money to do it and don't want to dig into their savings or retirement. However, they may have enough equity in their home. 



Starting in July we will be posting a 11 part webinar series digging into all aspects of using the very earth you own beneath your feet by adding an Accessory Dwelling Unit (ADU) to your property without having to take any money out of your savings or retirement. 


If you are over 62 years old and own your own your home and you've been thinking about adding a 'BACKYARD HOME' to your property but just don't have the $$$ on hand please add your name and contact info to our interest list. 


You may be standing on an additional revenue stream that could add value to your property and give you years of financial comfort. You can convert a room in your existing home to a Junior Accessory Dwelling Unit (JADU) with a few simple modifications and additions. 

  • Add an exterior door
  • Add a kitchenette
  • Add or share a bathroom

Now you've got an additional dwelling that could generate you additional monthly income or provide a comfortable living space for a loved one.


Additionally, under the recently enacted California State ADU Mandate you can also install up to a 1200sf 'BACKYARD HOME' on your property. Our 10 part webinar series will explain in detail how you can use the "HECM" Reverse Mortgage to pay for all of this if you have the equity in your home.


Each segment is only 20 minutes with a Q/A period at the end and you can watch it over and over again. Or just email or call us for a free one on one consultation.


Reserve your spot now by adding your contact information in the comment section below. Or email us at  We will contact you with links to our complete schedule. Check out the things you will learn.


  1. A Seniors Guide to Building a Modular ADU
  3. Where to put it 
  4. Handling the Red Tape 
  5. Where to Put the Utilities
  6. Plot Plan & Map Work - Determining Location & Orientation 
  7. Creating the Install Plan 
  8. Go Time with the City
  9. Choosing Your Crest 'Backyard' Home - The Fun part!
  10. Finishing Touches - Making it a Home
  11. How to Pay For it All (and still make money!) 


Why To Choose Us?

John DL Arenden, Broker 

TAG Real Estate Sales & Investments

TAG (The Arendsen Group) Real Estate Sales & Investments is a full service, one-stop, turnkey, family owned and operated real estate brokerage, General Contractor, Manufactured Home Contractor, Developer, Investor, Property Manager, Interior Design, Engineering, architectural, Landscape design, Expert Witness, Consulting, Curative Title and Troubleshooting company with over 100 years of combined experience in the San Diego real estate sales, construction, design & development arena.





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Comment balloon 5 commentsJohn DL Arendsen • July 08 2020 03:07PM


Hello John - I'd love to be "in the know" with your upcoming series. I'm a huge fan of ADUs in San Francisco and the Silicon Valley, work with many seniors and others who could benefit from your knowledge.  

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) 7 months ago

Great info and opportunity.

I referred you to a listing of mine in Mount Helix, but they are hesitant to spend the Feasibility fee just to advertise "ADU lot" but I'm working on it.

Posted by Thomas J. Nelson, REALTOR ® e-Pro CRS RCS-D Vets, & Host of Postcards From Success Podcast (Big Block Realty 858.232.8722) 7 months ago

This is good information about financing and ADU with a reverse mortgage, John!

Posted by Myrl Jeffcoat, Greater Sacramento Real Estate Agent (GreatWest Realty) 7 months ago

Sounds like an innovative idea. Financing can be a stumbling block. The ADU concept is here to stay - and it's a good one. Hopefully, we'll keep seeing progress on all fronts. 

Posted by Debb Janes EcoBroker and Bernie Stea JD, REALTORS® in Clark County, WA (ViewHomes of Clark County - Nature As Neighbors) 7 months ago

ADU's are here to stay for sure Debb Janes EcoBroker and Bernie Stea JD. Seniors on limited or low income and with minimal retirement options can use the equity in their home to add one to their property and open up an addional revenue stream without any front end cash outlay. It doesn't get much better than that.