California ADU Financing Just Changed — Here’s What It Really Means

California ADU financing just changed in a big way, and if you are a homeowner or real estate investor, it is critical to understand how this actually works before making assumptions.

Fannie Mae has updated its guidelines to allow up to three ADUs on a single family property in California. However, this does not automatically mean higher loan limits or easy low down payment financing.

In this episode, I break down how these new ADU rules really work and what they mean in practice for homeowners, investors, and anyone planning an ADU project.

In this episode, we cover
How Fannie Mae is treating California ADUs
Why properties with multiple ADUs are still considered single family for loan limit purposes
What this means for conventional, FHA, and VA loans
The biggest issue most people will face with ADU properties, appraisals
Why working with the right lender matters more than ever

This is major news for California housing, ADU development, and long term affordability, but the real world details matter. Understanding the structure, zoning, loan limits, and appraisal risks can save you from costly mistakes.

If you are planning an ADU in California, buying a property with ADUs, or refinancing one, this episode will help you understand how to approach it the right way.

Want help structuring an ADU deal correctly?
Reach out to my team. We work with ADU financing every day across California.