NO REFINANCE NEEDED! KEEP YOUR CURRENT LOW RATE.

Instant Home Equity Funding for California ADUs & Renovations

Finance your ADU, pool, or major home improvement project without touching your primary low-rate mortgage. See how much equity you can unlock today.

🔒 No impact on your credit score to check eligibility.

Fund Your ADU, Build a Pool, or Finance Your Home Renovation.

Access up to $750k in as little as 7 days. Cash-in-hand, not contractor-controlled.

🔒 No impact on your credit score to check eligibility.

Pool & Backyard Financing

Transform your outdoors: Fast funding for pools, hardscaping, and outdoor kitchens.

Boost property value: Reinvest your equity directly back into your home's appraisal value.

Protect your 3% mortgage: Build your dream backyard without refinancing your primary low-rate loan.

Home Renovation Financing

Fund major remodels: Perfect for kitchen upgrades, bathroom renovations, and room additions.

Flexible funding access: Draw exactly what you need, exactly when your contractors need it.

Cash-in-hand control: Skip the traditional bank red tape and manage your own project funds.

ADU Financing & Construction

Build your guest house: We specialize in fast, flexible financing for California ADUs and granny flats.

Unlock massive equity: Tap into your home's current value to lock in funding before your project begins.

Negotiate like a cash buyer: Get the cash-in-hand to deal directly with contractors and secure better bids.

🔒 No impact on your credit score to check eligibility.

Estimate Your Project Payment

See your estimated monthly payment for your ADU, pool, or home renovation.

Borrow up to $750k against your home's equity.
Enter $0 if using funds purely for home improvement.
New HELOC Payment: $1,250
Less: Debts Eliminated -$1,800
Total Monthly Savings (If Consolidating) $550
for $200,000 in funding.

*Your primary mortgage remains untouched. "Net Monthly Cost" is the difference between your new loan payment and the monthly bills you eliminate.

🔒 No impact on your credit score to check eligibility.

Real Results for California Homeowners

As a Vietnam veteran with three Purple Hearts, two Bronze Stars, and a Silver Star, I am most grateful to Guardian Capital for going above and beyond. They helped me successfully unlock the equity in my home without the hassle, and I can now enjoy my life in leisure and peace.
John Lang, San Diego, CA
U.S. Army, Retired. 16th Infantry Regiment

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See How Much Equity You Can Access

Step 1 of 3 - Loan Goals

Loan Goals

Up to $750,000