PLAN THE BUDGET. THEN PLAN THE BUILD.

Garage conversion
financing.

Explore a borrowing plan for your one-bedroom or studio conversion. Start with a local financing professional and a clear construction scope.

Loan applications go directly to the provider. Datra General Contractor helps you discuss the construction scope and estimate.

SANTA ANA · ORANGE COUNTY

ARBOR
Financial Group

The Kopelson Team

Renovation financing with a published process for contractor qualification, project bids, and construction draws.

Aaron KopelsonMortgage advisor · NMLS #281049(949) 290-9494AaronK@arborfg.com

1805 E Garry Avenue
Santa Ana, CA 92705

ARBOR Financial Group · NMLS #236669

Explore provider financing
Official company websiteContractor financing information

Independent resource. Contractor participation and project eligibility must be confirmed with the provider. A listing does not establish a financing partnership with Datra.

OPTIONS TO DISCUSS WITH A LENDER

A borrowing plan
that fits the project.

Ask which structure fits your property, existing mortgage, available equity, and repayment budget.

Scroll sideways to compare the options.

General borrowing structures · availability and terms depend on the provider
OptionHow it worksWhat to ask
Renovation mortgageFor example, HomeStyle® RenovationCan include approved renovation costs in an eligible purchase or refinance. HomeStyle Renovation can finance qualifying ADU projects.Fannie Mae ADU financing guideDoes my garage conversion qualify? How would the new mortgage change my current payment? What contractor approval and draw process applies?
Home equity loanLump-sum borrowingA set amount borrowed against your home equity. If you have an existing mortgage, this is an additional mortgage payment.CFPB home-equity comparisonIs the rate fixed or adjustable? What are the APR, fees, repayment term, and total payment?
HELOCHome equity line of creditA credit line you can draw from against your home equity. Rates are usually variable and payments can change.CFPB HELOC guideWhat are the draw and repayment periods? Can the rate or payment rise? Are there minimum draws or fees?

Home equity loans and HELOCs use your home as security. Missing required payments can put your home at risk. Review the provider’s written terms and compare offers before choosing a loan.

Questions about eligibility, contractor approval, or timing? Read the financing FAQs.

Independent resource information reviewed October 2, 2026. Rates, terms, availability, and approvals are set by the financing provider. This page provides general information and is not a credit application or commitment to lend.

Call Datra

START WITH YOUR PROPERTY

Prepare your
project scope.

Request a construction-scope conversation with Datra at info@garagecashflow.com, then review and send it in your email app. Loan applications are made directly with the financing provider.

More about your garage Optional