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Start your project now and pay over time

We've partnered with HFS Financial to offer home improvement loans with fixed rates, no home equity required, and funds paid upfront so your project can start right away.

Check my financing options Checking your options won't affect your credit score.
HFS Home Improvement Loans: no stage funding, no equity needed, low fixed rates. Inquire now.
$1,000 to $300,000Loan amounts nationwide, up to $450,000 in CA, CO, NV, AZ and NM
No equity neededYour loan isn't based on the equity in your home
Fixed ratesYour rate stays the same for the life of the loan
Paid 100% upfrontNo stage funding, so work isn't held up waiting on draws
No prepayment penaltiesPay your loan off early whenever you like
Credit in the low 600sApplicants with credit scores in the low 600s are considered

What you can finance

HFS finances nearly any home improvement project, including the work we do for you.

  • Landscaping
  • Concrete
  • Pools
  • Roofing
  • HVAC
  • Solar
  • Interior remodeling
  • Exterior remodeling
  • ADUs
  • Sunrooms
  • Generators
  • Home automation

Who qualifies

  • Residential properties only, either your primary residence or a second home
  • The home must be owned in your name, not through an LLC or trust
  • Co-applicants must live in the home but don't need to be on the title
  • You'll need to verify homeownership, income and employment, and identity

How it works

Applying takes a few minutes online. From there, HFS handles the details with you directly.

  1. Apply online

    Fill out the short application through our HFS link.

  2. Talk with a loan consultant

    A dedicated HFS consultant reaches out to go over terms, rates and any questions.

  3. Send your documents

    The HFS team collects and processes your paperwork.

  4. Get funded

    Your loan is paid out 100% upfront, and we schedule your project.

About HFS Financial

HFS Financial connects homeowners with lenders that fund home improvement projects of every size. You work with a dedicated loan consultant from application to funding, and we stay focused on doing great work on your property.

HFS Financial 5-star reviews. Check out our reviews.

Financing questions

Will checking my options hurt my credit?

No. Checking your financing options through HFS won't affect your credit score.

Do I need equity in my home?

No. HFS home improvement loans don't require home equity, so recent buyers can qualify too.

Can I pay my loan off early?

Yes. There are no prepayment penalties.

Who do I talk to about rates and terms?

After you apply, a dedicated HFS loan consultant contacts you to walk through rates, terms and next steps. Rates and terms depend on your application.

Ready to get started?

See what you qualify for in a few minutes. Checking your options won't affect your credit score.

Check my financing options

*Disclaimer: NMLS and MD CSB #1680766. HFS Financial is not a lender. The information you provide to HFS Financial is not an application for a loan from HFS Financial. HFS Financial does not endorse, warrant, or guarantee service or products of any lender or broker and does not guarantee or make any representations of any rates, points, and loan programs offered by affiliates. All information is subject to change without notice.