Build now, pay over time.
Up to 120% financing for your garage, ADU, or addition — without touching your home equity.
Financing that makes a bigger project possible.
Through our lending partner HFS Financial, Red Umbrella clients can fund a garage, ADU, conversion, or addition with simple, direct-to-consumer home-improvement financing — no home equity, no appraisal, and no impact on your credit just to see your rate.
Check My Rate in 60 Seconds →No obligation. Checking your rate is a soft pull and won't affect your credit score.
- Up to 120% financing
- No home equity or appraisal required
- Checking your rate won't affect credit
- Funds the whole project, start to finish
The ADU that pays for itself
An ADU is one of the few home improvements that can generate income from day one. Here's the math many Eugene homeowners are surprised by:
*Illustrative only — actual payment depends on amount, term, and credit. Rents vary by size, location, and finish. We'll walk through real numbers for your project at your free consultation.
How it works
- Check your rate in about 60 seconds through HFS — a soft credit check that doesn't affect your score.
- Review your options — terms and monthly payments with no obligation to proceed.
- Book your free consultation with Bari and lock in a real project scope and price.
- Build it — funds are available to cover the project start to finish.
Common questions
Will checking my rate hurt my credit?
No. HFS uses a soft credit check to show your rate, which does not affect your credit score. A hard pull only happens if you choose to move forward with a loan.
Do I need home equity?
No. This is unsecured home-improvement financing — no equity, no second mortgage, and no appraisal required. That's a big advantage over a HELOC for many homeowners.
What can I finance?
Any Red Umbrella project — a custom garage, a garage conversion, a backyard ADU, or a home addition, including design and permitting.
Is Red Umbrella the lender?
No. Financing is provided by our partner HFS Financial. We simply make it easy to find out your options so cost isn't the thing standing between you and the right project.
Ready to talk numbers?
Check your rate, then book a free on-site consultation with Bari — we'll give you an honest project price to match.
Check My Rate → Book a Consultation