Subject to change. Viking Capital is a family-owned business that has been in operation since 1999. I dont remember the loan type but I know we did not have any closing costs. HFS Financial specialize in helping homeowners with loans to finance a new swimming pool, outdoor kitchen . Lyon Financial is located at 118 Morlake Drive Suite 202, Mooresville, NC 28117. And your customers will appreciate the convenience and flexibility of being able to pay for their projects over time and enjoying a simplified lending experience. This ensures that funds are not disbursed in advance of work being completed. Exact interest rate determined by credit profile. This is another area where the focus on customer service makes all the difference at Lyon Financial. Will you be applying for an unsecured loan or do you plan to tap into your home equity or refinance your mortgage? Advertised terms are subject to change without notice. Thanks again., We have been working with HFS Financial for a few years now with our clients. I have since used them directly for car loans etc great bank. Our Contractor Resource Center has your widget ready for download. It was the cheapest loan And interest we could find. Advertised rates and terms are subject to change without notice. Lazy afternoons, endless evenings, and the freedom to relax with friends and family. Thanks team! HFS Financial recognizes that there may be differences in interest rates based on loan amount, credit history, and other factors. Dear Penny: How Do I Get My Ex-Husbands $10K of Past-Due Alimony? At Lyon Financial, we love the difference we can make for your family by providing something that puts years of memories within reach. (These include previous years tax returns specifically Schedule C & E for those self-employed; a W-2 and recent pay stubs for wage earners). I would definitely recommend HFS to anyone needing a home improvement loan. Which for 12 years is still lower than any others I can find. Gone are the days of bank approvals and outrageous credit card interest rates. There are a few key differences between Lyon Financial and HFS Financial. It can be difficult to get approved by Lyon Financial due to the companys strict standards. HFS Financial doesnt have any prepayment penalties on the loans we pair your clients with, making it easy for customers to pay off their loan early and save money in the long run. Look no further than HFS, their team is simply the best!, We love sending our clients to HFS. We did a 20 year fixed loan and they found us a rate at 5.99%. For one, Lyon Financial offers a wider range of loan products than HFS Financial. This includes products like home equity loans and lines of credit, which can be beneficial for those looking to tap into the equity in their home. 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 communicates directly with the customer and in a timely manner. Conditions and limitations apply. With HFS Financial, there are no hidden costs. Financing through HFS Financial provides customers with the flexibility to make changes or additions with their contractor during their project. Advertised rates and terms are subject to change without notice. With HFS Financial, they can get up to 120% of the loan amount, so theyre covered even for those unexpected things that pop up in many projects. Call us at 877-754-5966 for all the information you want. 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. They did a great job on approving us without any issues. Give us a call or visit us to get started today. Subject to change. Non-Bank Financial Service HFS Financial HFS Financial Reviews 1,142 Excellent 4.8 VERIFIED COMPANY hfsfinancial.net Visit this website : BS Brandon Smith 1 review US A day ago Great Experience! I will definitely be using them for any future projects and will be referring them to friends. What types of home improvement projects can I finance? 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. Unlike other types of loans, the payback period on this type of loan typically lasts two to ten years, and monthly payments are lower. Once approved, loans can typically fund in 24 hours with little-to-no documentation required from the consumer. Conditions and limitations apply. #Available on approved credit, not all will qualify. Some lenders may offer you financing if you have fair or poor credit, however you may have to pay a lot more over time due to higher interest rates. So I will pay forward a good deed and save you the 1500.00 broker and tell you we used United States senate federal credit union. Personal loan financing through HFS Financial is not like a secured loan through a bank. Many customers opt to wait before taking the plunge. Figure out how much disposable income you have to work with by comparing your monthly earnings to how much you typically spend each month. Readily available to answer any question or concerns. Conditions and limitations apply. Lyon Financial has long enjoyed an outstanding reputation for a couple reasons: we believe in what we are doing, we never forget we are in the business of families, and we have consistently served up the same quality customer service as we have since Day One. We team up with contractors, home improvement experts, pool builders, home renovators, remodeling contractors, and more. HFS Financial. Or if youre okay with not having a pool in your backyard, youll save money by visiting public pools or renting private pools from Swimply on occasion. Whether you send them a link or walk them through the process in your own office, they will quickly see just how convenient and hassle-free contractor financing can be. I am very satisfied with HFS personally and professionally, which is why I have no hesitation in recommending them to our clients., If you're looking to finance your dream pool, the people @ HFS Financial have great terms and sincere customer service. | Do Not Sell My Personal Information For Contractors. As soon as the hard inquiry has been completed, a lender will provide you with a pre-approval. The information you provide to HFS Financial is not an application for a loan from HFS Financial. Mahabaleshwar: A Hill Station for all Seasons, Lyon And Healy: A History Of The Popular Banjo Manufacturer, The Pope: A Controversial Figure With A Long History. What Are the Benefits of Offering Financing to Every Customer? People with poor credit may require a larger loan if they need it. FICO score of 850 required for 4.99% APR. Most people who have used this company report satisfaction with the process and the loan itself. Every customer can rest assured that when they choose your contractor financing, they are getting a reliable and secure solution from a trusted partner. $75,000 maximum loan amount
And unlike typical lenders, there are no automated decisions or artificial intelligence involved. BBB Business Profiles are subject to change at any time. Although we do not offer in-house financing at Allison Landscape and Pool Company, we do work with banks and other financial institutions when it comes to financing your pool project. We wouldnt be able to provide the high-quality projects we provide for so many of our clients without a partnership with HFS., Working with HFS is awesome! Advertised rates and terms are subject to change without notice. When you apply, we will do a soft credit check to view your credit profile and narrow down your options for securing a loan. We take care of all that for you, meaning your staff can focus on what they do best providing the best home improvement experience possible. You dont have paperwork to fill out or a complicated process to walk through we handle all of that part! Soft credit inquiries should be used instead of hard credit inquiries by lenders. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); This site uses Akismet to reduce spam. When a customer is curious about how much they can qualify for, theres no reason for them to take a hit to their credit. The loan team member will review the terms and conditions with you, ensuring you are paired with the program that best suits your needs and qualifications. Not all will qualify. BBB is here to help. By discussing contractor financing options with each and every client, you can give your customers the peace of mind and confidence they need to hire you and get their amazing project started. Loan documents are then ordered and sent electronically. Required fields are marked *. Nicole Dow is a senior writer at The Penny Hoarder. How BBB Processes Complaints and Reviews. We are clear and upfront about every aspect of your loan. We have served over 100,000 customers since 2004 and are trusted by over 25,000 contractors to help their clients with their financing needs. In less time than any other home improvement loan process, well have you connected with the project financing you need. Industry Leading Service from your Contractor Success Manager. 2023 The Penny Hoarder. Pool financing is when you borrow money from a financial institution or lender to cover the costs of building a pool. Taking on debt for a new pool doesnt have to be your only option. When you refer your clients to HFS, they wont have to worry about coming up with a down payment or any other funds. Here are a few of the top questions your clients may raise. Unlike many of the other lenders in this space, HFS makes the process easy and the fund our clients quickly. I was looking at HFS too for an unsecured loan. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. Are you struggling to decide whether or not an accessory dwelling unit is right for you? They offer incentives ranging from 20-year loan terms to electronic documents and rapid approval. With the HFS Check My Rate tool, customers can find out how much they qualify for quickly and easily. Offering financing helps you reach an array of customers. The information you provide to Lyon Financial is not an application for a loan from Lyon Financial. We will arbitrate between you and the contractor, should any conflicts or misunderstandings arise. By using this data, businesses can make more informed decisions . You might also consider using a credit card as your method of financing. Plus, there are no hidden fees like origination or closing costs, which can come as a surprise with some other lenders. And, Do you think adding a custom pole barn to your homes property would be a great asset? By offering contractor financing with HFS Financial, you can increase your visibility, close sales, and get paid faster. Also, with home equity loans youll face additional fees, like a home appraisal cost and closing costs, so be sure to factor that into your decision making. All information is subject to change without notice. Advertisement. I had the loan open a month, and this fee was added on top of interest. When they get funded through HFS Financial, each customer is essentially a cash buyer. Your Bank or Credit Union. APR, terms, and loan amounts may differ based on loan purpose and credit profile. You can then use that lump sum to pay for your pool, and youll pay it back throughout the course of your new mortgage over the next 10 to 30 years depending on your loan terms. Lyon Financial works with Central Bank to provide qualified borrowers with unsecured pool financing. They are very fast to process new applications and respond promptly to all questions and emails. We specialize in swimming pool loans and home improvement loans. Not sure how much you need? We also look for any recent negative marks, such as bankruptcies or tax liens. Dear Penny: How Do I Move Past My Husbands $150K Gambling Losses? Available on approved credit, not all will qualify. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Plus, they will enjoy competitive interest rates and fixed payments that fit within their budget. We use dedicated people and clever technology to safeguard our platform. We dont abandon you just because construction has begun. The information you provide to Lyon Financial is not an application for a loan from Lyon Financial. I ended up. With a HELOC, you can pull out funds as needed to finance your pool construction and other home improvement projects. Advertising a personal loan reported to credit report and no liens against the property. Plan to have it paid off by December of 2020 but I hate paying interest so hope we can finish it earlier. People who write reviews have ownership to edit or delete them at any time, and theyll be displayed as long as an account is active. Dont forget to factor in maintenance and additional utilities usage when estimating how much you can afford to go toward pool costs. With HFS Financial, they can start the financing conversation without worry about how checking on financing will impact their credit score. We really appreciate it. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. Contact our team members for more information on how we can help you turn today's dreams into tomorrow's memories. Subject to change. Find out how we combat fake reviews. We got a loan from a local bank for 5.5%. There are several ways to go about getting a loan for a pool. "We love working with HFS. We understand that an effective process is one that: Through every business technological advance over the years to each swimming pool innovation, we have stood firm on the principle of helping people get what they want. Reinvent your bathroom, garage, or outdoor living areas with a fast funding home improvement loan. ", Thanks to you and the HFS team for your quick turnaround in letting us and our future clients know if they qualify. We want to help you have the staycation of a lifetime, by getting a swimming pool in your own backyard! Loans powered by HFS are personal loans, which means no equity = no problem. Representatives have always quickly responded to us as well as our customers, answering any questions that we have., When our prospective clients tell us they need financing for their pool projects, we strongly recommend the contact HFS. If your credit score is less than 600 or you do not yet have a credit history, you can still hold out hope. Dear Penny: Am I Nuts to Take Out a Mortgage on the Home I Just Paid Off. From small renovations and repairs like a new roof or windows to larger projects like remodeling bathrooms and kitchens or building a sensational new swimming pool whatever financing the customer needs for their project is within reach. FICO score of 850 required for 4.99% APR. However, there can be situations where itd make sense. From your showroom, customers can use our Check My Rate for real-time lowest payment amounts on demand! Hello , This is an inactive thread. ", HFS has great customer service and rates. The only complaint I could find was that someone felt like they were being pushed into a higher loan rate than they were comfortable with. By using the HFS Financial widget on your website, its easier than ever for customers to access financing for their home improvement projects. The HFS team Adam and Andrea are awesome! We can extend for additional time as needed to complete the pool project, as long as no major changes to credit have been made. Help them secure financing, build a great rapport with your clients, and close those sales to boost your business. I called Lyon Financial today, the lady I spoke to said that they shop your credit score with 6-8 companies to get you the best loan option out there. Its estimated that about 75% of customers need a loan to achieve their home improvement dreams. The information you provide for your swimming pool loan will enable HFS to determine the different loan options available to you. APR, terms, and loan amounts may differ based on loan purpose and credit profile. After that your interest rate could go up to 18% or more. All information is subject to change without notice. When you complete our fast and easy inquiry, the information you provide HFS is securely transmitted to our in-house team of highly specialized financial loan consultants. Subject to change. We are going to use Randolph Brooks Federal Credit Union. Overall, Lyon Financial seems to be a reputable company that offers a good product. To boost your credit score before applying for a pool loan, follow these steps. Customer Reviews are not used in the calculation of BBB Rating, BBB Tip: What to consider when researching personal loans, Need to file a complaint? Salt Generating System Pentair intelliChlor, Tru-Tile by Latham Industries in Vinyl and Hybrid Pools, Weekly Cleaning Weekly Service Weekly Cleaning Service, AMS Financial Swimming Pool Loan Solutions. Instead of only learning the overall project price, they can focus on the monthly price and make quicker decisions. Pool loans are unsecured personal loans offered by banks, credit unions and online lenders. The final step to get your pool project financed is to complete any additional paperwork and sign off on the dotted line. . Easy to do business with. Call 877-754-5966 today! APR, terms, and loan amounts may differ based on loan purpose and credit profile. Thats lightning fast compared to traditional bank loans. I also enjoy how responsive your company is with me as well., "HFS Financial has been awesome. The loan options are based on your income and creditworthiness. I stumbled on this company thru a Google search. HFS was super response to our initial request. Thank you so much for the kind words and for taking the time to leave a review for us. on after all.. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. And all of this comes at no cost to you! Lyon Financial is a credit bureau that uses a variety of financial data to help businesses make informed decisions about lending money. Customers can get approved funds fast, so they can start their project on time. National Contractor Success Manager at HFS Financial Dallas-Fort Worth Metroplex. Anyone can write a Trustpilot review. We are proud to offer our unique financing program to those who have served or are currently serving our country. Ask the Pool Guy All rights reserved. You could bring your friends together over the summer by hosting pool parties. We eliminate the usual lengthy & stressful loan process to quickly and conveniently bring your backyard dreams to life. (No pre-payment penalty) scores from 620 & up (no lates on the mortgage, (last 2 years) collections, charge offs, BKs, short sale, or loan modifications in the last 3 years. Explain the benefit of having no surprises when it comes time to pay off the loan. They were in contact when needed making the process quick. It all depends on your individual circumstances and preferences. With HFS Financial, theres no extra paperwork for your business. If you have a significant amount of equity, you could finance your pool project this way. The lowest interest rates are reserved for those with excellent and substantial credit. Two companies we have relationships with are HFS Financial and Lyon Financial. Application process was easy and decisions arrived on-time. Get estimates from multiple pool companies so you have a better idea of what options exist. You are using an out of date browser. Very happy with them. Companies can ask for reviews via automatic invitations. HFS has one-of-a-kind loan programs and world-class service as shown by 1,500 + 5-star Reviews. Open a high-yield savings account to use as a sinking fund and dont make withdrawals from the account until youve reached your savings goal. Having a pool is a luxury. Interest rates can start around 3% and go up to about 36%. Easy to apply. As a matter of policy, BBB does not endorse any product, service or business. 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. International Association of Better Business Bureaus. The technical storage or access that is used exclusively for anonymous statistical purposes. Lyon Financial. This is very helpful and I will reach out to the few places recommended by everyone. A swimming pool can offer hours of enjoyment, and add value to your property. Those with a good credit score and little or no money are ideal candidates for quick start loans. HFS Financial is not a lender. Some affiliates of Lyon Financial may offer a rate discount via AutoPay. When I financed my own personal pool, I turned to HFS as well and found all my clients statements to be true for sure. If you want to add a pool to your property, but dont have the cash upfront, you have several options. You may be able to use a competitors lower offer to get a lender to reduce their offer even further. No ones score should be impacted that dramatically. Plus, as an HFS Contractor, that process starts from your website, which is convenient and puts your client at ease. HFS Financial is located in Reisterstown, Maryland. After documenting that the job is complete and you are satisfied, the final funds are disbursed. You can also use bullet points such as: The great thing about working with HFS Financial is that we will keep you in the loop throughout your customers financing process. Lyon Financial is a financial services company that offers a variety of products and services to its clients. Most credit cards only offer zero-interest periods for the first 12 to 21 months. Here at HFS, we dont only exist to help homeowners find financing to bring their dreams to life. Re-imagine your backyard with a dreamy swimming pool loan. This also ensures that you are not left holding the bag for any financial losses as a result of bank funding delays or denials. During regular business hours we answer the phone every time! Low, fixed rates, Unsecured Loan
Lightstream requires a cosigner for all loans, while Lyon Financial does not. We are financing experts who provide the means to fulfill your backyard dreams. HFS Finacial experts, The Pros and Cons of Adding an Accessory Dwelling Unit. With HFS Financial you can bundle nearly all of your home remodeling projects together in one easy-to-pay financing option. Additional benefits of financing with HFS Financial: No Impact on Credit to Apply The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes. As a nationwide provider of swimming pool and home improvement loans, were able to access a wide array of financial programs. Ideally, your credit score should be 700 or above. Well definitely recommend them to our friends and will do business with them in the future! If you choose this financing option, be sure that youll be able to pay off the balance in a relatively short period of time. It may not display this or other websites correctly. My clients always seem to have great things to say about service, ease of qualifying process as well as the delivery of funds which is critical for us in assisting them for their pool construction to get started. Auto Pool Cover--looking for opinions/options, With over 300,000 members, TFP is the largest and most influential pool & spa website on the Internet. We take the burden off of you so that you can do what you do best building the most fantastic home improvement projects around! So we run our credit check first and work to pair you with the best lender for your situation. Thanks for all the advice! Please don't hesitate to contact us for financing assistance at (904) 223-4050. How Can You Make Friends While Traveling Alone?
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