ADU Home Renovation Loan — Lighthouse Federal Credit Union is a home equity loan from Lighthouse Federal Credit Union. Typical credit limit: Up to 80%; For a maximum term of 360 months, loan amount must be greater or equal to $200,000.. Loan terms: 60-107 Months; 108-120 Months; 121-180 Months; 181-360 Months; begins with a 9-month interest-only construction period.