Accessory Dwelling Unit (ADU)
Add an ADU with a Construction Loan
Whether you’re making space for aging parents, welcoming adult children back home, or creating a rental for extra income, building an Accessory Dwelling Unit (ADU) adds space, value, and versatility for your family and your future. And with local financing from Savings Bank of Walpole, it’s easy to get started.
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What is an ADU?
An Accessory Dwelling Unit is a self-contained living space that includes its own kitchen, bathroom, and sleeping/living area. It can be attached to, within, or detached from your primary residence. Under New Hampshire law, homeowners have the right to create an ADU for a family member, caregiver, or as a rental unit—as long as it complies with local zoning and building regulations.
With an ADU Construction Loan from SBW enjoy the benefits of:
Flexible Financing
Uses your home’s equity and works alongside your existing mortgage as a second loan.
Single-Closing Loans
Interest-only during construction, then automatically converts to a fixed-rate mortgage (no second closing).
In-House construction support
Local help with inspections, disbursements, and timelines to keep your project on track.
Local Lending Team
Work with people who live where you live and care just as much.
Local Financing and Decisions
We make local decisions and understand the
real estate market of our community.
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“When it comes to mortgages, SBW definitely goes above and beyond for their customers!”
Chris and Victoria McIntosh
SBW Customer
