An inquiry you submit to HFS Financial is for the purpose of obtaining additional information regarding a potential loan provided by one of HFSs third-party lenders under terms & conditions arranged directly between you and such lender and conditioned upon the completion of all credit documentation. They provide great customer service to our clients, they close the loans quickly, and the level of communication with us is outstanding. Lyon Financial uses the Citizens Bank, which is located in Boston, Massachusetts. Financing - Nails Creek Pool Financing - Ask the Pool Guy The direct funding to my customers allows us to work more closely with them and takes out the middle man you have with other finance companies. HFS application process was user friendly. - All rights reserved. Adam Sidle was very nice and answered every question fast. The individuals exact interest rate is determined by their credit profile and the loan purpose, amount, and term. We have heard nothing but great things from our clients in terms of ease of use, the process is simple, and the funds being made very quickly are all things that they love. HFS Financial does not endorse,warrant,or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points, and loan programs offered by affiliates. We take the burden off of you so that you can do what you do best building the most fantastic home improvement projects around! HFS Financial is a financing company that partners with third-party lenders to provide homeowners with the money to construct pools on their property. But most of all, it means making memories that will last a lifetime. Term of 30 years requires a minimum FICO of 780. You could put off your pool construction project for a few years and save up for the expense in cash. That means that customers can find the right loan for their needs and budget. I stumbled on this company thru a Google search. The information you provide for your swimming pool loan will enable HFS to determine the different loan options available to you. Loan Example: A loan for $60,000 with a fixed rate of 6.99% and an APR of 7.37% for a term of 20 years would result in 240 payments of $478.76, assuming the applicant(s) do not pay off the loan early. Capital One 5 years . Whether your company offers a service or provides a product, process is everything. We are your one-stop-shop for any kind of home improvement loan: swimming pools, metal roofs, hardwood flooring, kitchen and bath remodels, basement finishing, outdoor kitchens, and more. That's why we offer flexible and convenient financing options, subject to approved credit. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met. Unlike many of the other lenders in this space, HFS makes the process easy and the fund our clients quickly. So happy to work with them and would recommend to anyone. BBB Business Profiles generally cover a three-year reporting period. Industry Leading Service from your Contractor Success Manager. Maximum loan amount of $75,000. Conditions and limitations apply. HFS Financial does not endorse,warrant,or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points, and loan programs offered by affiliates. Adam Sidle and Krystie McMahon were an awesome team and great from start to finish. No Stage Funding, Loans Fund 100% Up-Front. To call HFS a scam because your loan was declined due to credit score is a mischaracterization and. As the industry leader in providing swimming pool & home improvement financing options since 1979, we offer personalized, hassle-free financial solutions tailor-made to your individual needs and qualifications. Instead of only learning the overall project price, they can focus on the monthly price and make quicker decisions. In less time than any other home improvement loan process, well have you connected with the project financing you need. Financing Your Swimming Pool - Parker's Pools When youre financing a pool, having a good or excellent credit score will help you secure a loan with a low interest rate. Make sure they know that with HFS Financial theres no need to worry about checking on financing. ", HFS is a great company to work with. You may be able to get a pool loan through the financial institution where you already have existing accounts, or you might choose to get financed from an online lender or financing consultant company that deals exclusively with pool loans and home improvement loans. If you dont talk to your customers about financing, the process of getting funded and signing a contract is more difficult and takes more time. HFS not only allows you to offer industry-leading financing options, but we also supply you with all of the information you need to show your customers just how amazing and easy contractor financing can be for their project. Lightstream requires a cosigner for all loans, while Lyon Financial does not. Ideally, youll want to have a credit score of 700 or higher to get the best interest rates for pool financing. And happy customers mean great references, more sales and more success for your business. From application to funding the process was very easy with no unnecessary time wasting in between. How Do I Set Up the HFS Widget on My Website? Any new postings here are unlikely to be seen or responded to by other members. Some companies, however, will accept lower credit scores. If you choose this financing option, be sure that youll be able to pay off the balance in a relatively short period of time. Integrating the HFS widget onto your website is easy. Are you ready to get paid on your schedule instead of the banks? As a result, your loan may have a higher interest rate. The information you provide to HFS Financial is not an application for a loan from HFS Financial. Unfortunately, many other companies take a customers information and scattershot the request to all their lenders. HFS is incredibly efficient and effective at helping our clients get the money they need to bring their pool dreams to life. Payment example: Monthly payments for a $75,000 loan at 4.99% APR with a term of 15 years would result in 180 monthly payments of $592.70. Whether you possess the Lyon Financial minimum credit score or have a higher FICO, you shouldnt have your credit reputation subjected to such a practice. Customers have several advantages when it comes to home improvement financing, including fast funding, flexible payments, and the ability to make changes or additions during their project without worrying about bank approval. | Do Not Sell My Personal Information Getting quotes from multiple lenders will help you select the best deal for your pool construction project. Pools by John Clarkson | Northeast Florida Swimming Pool Builder No stage funding means your customers get the full amount of the loan when its approved which makes it easier for them to pay subcontractors, suppliers, staff and YOU. Why To Choose HFS Financial for Your Swimming Pool Loan One of the ways in which our team helps you to ease the stress from the process of building a swimming pool is our pay-as-you-go financing option. I highly reccomend HFS Financial! If you think youre outgrowing your current home or are looking to downsize wait until youre ready to move and then look for a new home with an existing pool. This downloaded widget can then be used on your website; however, you need to connect it with your personal HFS account first. Customers can feel secure in knowing they will have exceptional customer care, get approved quickly, and have no unexpected surprises down the road. The worlds cultural corporate capitals: where best combines art and business? The information you provide to Lyon Financial is not an application for a loan from Lyon Financial. The benefit is that you get a one-stop-shop experience instead of having to reach out to lenders individually. It is our recommendation that you use a single credit bureau in order to obtain an accurate picture of your credit status. With over 400,000 satisfied customers nationwide, we know what a pool means to you and your family. Home Improvement Lending Made Simple, offering 100% No Monday Down Financing from $10,000-$100,000, equity not required. No more waiting on a bank to approve them or sending in paperwork to apply. This is a good option if you think you wouldnt get much regular use of having your own pool. Subject to credit approval. Customers can get approved funds fast, so they can start their project on time. Did you pay that fee? All loan programs found at www.hfsfinancial.net have no fees or penalties for prepayment. Is Money Heavy on Your Mind? I got mine through Lightstream. And has been a great asset/relationship for our business., With HFS, it's easy to pre-qualify our clients, and the funding of projects is just as quick and easy! Payment example: Monthly payments for a $50,000 loan at 6.99% APR with a term of 20 years would result in 240 monthly payments of $387.35. No ones score should be impacted that dramatically. Then they can pay you directly with no delay. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. Did mine through HFS Financial..unsecure loan at around 7% APR took a total of like 3 weeks. This also ensures that you are not left holding the bag for any financial losses as a result of bank funding delays or denials. Lyon Financial recognizes that there may be differences in interest rates based in loan amount, credit history, geographic location, and other factors. With funding for up to 120% of their project, they will have the money in hand that they need to make their vision a beautiful reality. If youve got excellent credit and would qualify for a low-interest personal loan (unsecured loan), that might be the better option. Conditions and limitations apply. Not sure how much you need? Payment example: Monthly Payments for a $200,000 loan at 6.49% APR with a term of 30 years would result in 360 monthly payments of $1,262.82. HFS Financial is not a lender. There are a few key differences between Lyon Financial and HFS Financial. After the conditional approval, income verification documents need to be submitted. Here at HFS, we dont only exist to help homeowners find financing to bring their dreams to life. Dont forget that we also specialize in helping our clients secure home improvement loans too! When you apply, we will do a soft credit check to view your credit profile and narrow down your options for securing a loan. Close the deal by simplifying the lending process. Adding a small plunge pool to a cleared, flat space in your backyard will cost considerably less than adding a resort-style pool with waterfalls and a jacuzzi to your property that requires you to cut down multiple trees and level the land. All loan programs found at www.hfsfinancial.net have no fees or penalties for prepayment. Many customers opt to wait before taking the plunge. Very courteous customer service. When they get funded through HFS Financial, each customer is essentially a cash buyer. We got a loan from a local bank for 5.5%. Lyon Financial is not responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of or in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, load or interest rate analysis. HFS Financial HFS has one-of-a-kind loan programs and world-class service as shown by 1,500 + 5-star Reviews. Advertised rates and terms are subject to change without notice. They are very fast to process new applications and respond promptly to all questions and emails. FICO score of 850 required for 4.99% APR. Adam walked us through the process, was extremely responsive and made everything relatively painless for us. However, just like with a home equity loan or HELOC, your home is being used as collateral, and youll face additional fees involved in the refinancing process. Taking on debt for a new pool doesnt have to be your only option. We have over 75 years of hands on pool loan experience so you have come to the right place. Overall, Lyon Financial seems to be a reputable company that offers a good product. This experience was amazing. Lyon Financial Google Reviews are very positive. Amazing service end to end! The company has been in business for over 20 years and is headquartered in California. They were in contact when needed making the process quick. Lazy afternoons, endless evenings, and the freedom to relax with friends and family.

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