The South Shore Home Options Campaign

The Financing Discussion Worksheet

Financing products, rates, requirements, and availability change. This page is not a loan offer or financial advice; it prepares you to ask better questions.

South Shore REALTORS® × The ADU Exchange · A joint housing-education initiative

This worksheet prepares you for conversations with lenders. It does not recommend any product and is not financial advice.

General categories homeowners explore

Cash
Home-equity loan
Home-equity line of credit
Construction loan
Renovation loan
Refinancing
Verified public programs

Questions to bring to any lender

Which of your products could apply to a project like this?
What are the qualification requirements?
What rate structures, terms, and fees apply?
How are construction or renovation funds disbursed?
What documentation will you need from me and from my contractor?
What happens if the project cost changes?
Can I have the details in writing?

Comparing conversations

Lender 1: Notes:

Lender 2: Notes:

Lender 3: Notes:

Not a loan offer or financial advice. This resource provides general education and is not legal, tax, appraisal, engineering, lending, zoning, or construction advice. Verify all requirements with the applicable municipality and qualified professionals.