Housing laws

California housing laws we finance.

New laws and new ways to build let one lot hold more homes. We already did the reading, so you don't have to explain the law to your lender.

SB 684 · SB 1123 · SB 1116

Up to 10 homes on one lot

No public hearing. 60-day decision. Expanded in 2027.

Official text: SB 684 · SB 1123 · SB 1116 ↗

AB 956

House plus up to 3 ADUs

1 converted + 2 detached, from 2027.

Official text: AB 956 ↗

AB 1033

Sell the ADU as a condo

In cities that have opted in.

Official text: AB 1033 ↗

SB 1211

Up to 8 ADUs on apartment lots

No change to the units already there.

Official text: SB 1211 ↗

Modular · Panelized

Factory‑built homes

Loans built around your manufacturer and timeline.

Eligibility depends on the site and the city. Housing-law information is general, not legal advice. Talk to us about your project.

See housing laws →

We see it often

Where these projects stall.

Buying the land first.

Few lenders will finance land on its own. We finance entitled land, then refinance into construction when you're ready.See land loans →

Building more than one home.

Many lenders want a separate loan for each home. We can finance the whole project with one construction loan.

How a loan works

  1. 1Send the projectThe address, what you want to build and your budget.
  2. 2Talk it throughWe go over your plan and the options with you.
  3. 3Get a term sheetClear terms built around your plan.
  4. 4Close and buildClose on a timeline that fits your strategy. Draws funded in 2–3 business days.

Send us the project. We'll show you how we can support your vision.

Share the address and what you're planning.

Request a Term Sheet