About
Baylight Home Finance
Baylight Home Finance is a San Jose lending team that finances accessory dwelling units for Bay Area homeowners and small investors. We arrange renovation and construction loans that lend against the finished value of your property, home equity lines, and cash-out refinances, and we pay contractors in draws as the work is inspected. Tell us about your lot and budget, and a loan officer calls you back within one business day with options and a clear list of documents.
2 offerings
Construction Lending
Home Equity & Cash-Out Refi Consultation
Already have equity in your home? A 30-minute call with a Baylight loan officer compares a home equity line of credit, a cash-out refinance and a renovation loan for your ADU or garage conversion, side by side: rate, monthly payment, closing costs and how each handles construction draws. You leave with a written comparison. Free, with no obligation.
Request Info
Request Info
Construction Lending
ADU Construction Loan Pre-Qualification
Find out how much you can borrow to build your ADU before you commit to a design. Share your address, rough budget and timeline, and a Baylight loan officer calls you within one business day with loan options sized on your home's value after the ADU is built, an estimated monthly payment, and the documents you will need. Pre-qualification does not affect your credit score.
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Apply Now
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FAQs
Q: Can I borrow against the value my ADU will add?
Yes. Renovation and construction loans can be sized on the appraised value after the ADU is built, not only today's equity. We order the appraisal from your plans and build estimate.
Q: Does a pre-qualification affect my credit score?
No. Pre-qualification uses the information you give us. We only run a credit check with your permission when you choose to apply.