Readily available to answer any question or concerns. Thanks again., We have been working with HFS Financial for a few years now with our clients. As a matter of policy, BBB does not endorse any product, service or business. We got a loan from a local bank for 5.5%. For one, Lyon Financial offers a wider range of loan products than HFS Financial. If you have great credit you can get 6.5% interest on 50K for 10-15 Years and that drops to 6.25% if you do automatic payments. Ill definitely use them again for my next outdoor project! 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. Thats right no stage funding. They are constantly sending updates along the way so we know the status of the loan and having our customers fully funded before the project begins makes the process much smoother. Financing through HFS Financial provides customers with the flexibility to make changes or additions with their contractor during their project. Additional benefits of financing with HFS Financial: No Impact on Credit to Apply Train your sales team to talk to every client about financing and to direct them to the HFS Check My Rate tool, where they can get an estimate of their loan payment in real time. The worlds cultural corporate capitals: where best combines art and business? Here's a summary of how we make pools and spas and pergolas happen! With many decades of experience in the home improvement financing space, we know just about all there is to know about all of your customers financing questions. *Available on approved credit, not all will qualify. Integrating the HFS widget onto your website is easy. We used to use Lyon Financial, but HFS is far easier to deal with and we love that we are in control of our payment schedule. Here are some ways that offering financing can help your business grow. The approval and funding process is quick and simple, so theyll have the funds to get started on their project quickly. Your APR may differ based on loan purpose, amount, term and your credit profile. Offering contractor financing is the foundation of your successful business. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you. 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. 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. Excellent experience and would 100% recommend to family and friends for their next home improvement project. When you send your customers to HFS Financial for financing, you can be sure theyre in safe hands. We offer competitive rates and terms, and our experienced staff is here to help you every step of the way. They can apply for a loan for up to 120% of their full home improvement vision and pay for it over time with convenient options. Overview Lyon Financial offers financing solutions for swimming pool and home improvement loans nationwide. Conditions and limitations apply. 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. Loans for non-pool/standalone home improvement projects may incur different rates and terms based on loan purpose. HFS Financial is a financing company that partners with third-party lenders to provide homeowners with the money to construct pools on their property. 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! 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. Subject to credit approval. The 5 Best Instant Approval Credit Cards of May 2023. Lyon Financial is located at 118 Morlake Drive Suite 202, Mooresville, NC 28117. 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. Click the tabs to the right to learn more about each financing option. Not all will qualify. Here are some of the other reasons homeowners like working with HFS. 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. I don't like the idea of my credit being inquired 6-8 times, I would rather deal with one lender that I feel comfortable dealing with. We refer everyone to HFS now. Loans 100% Up-Front We have over 75 years of hands on pool loan experience so you have come to the right place. To set up your HFS widget, you first need to download it directly from our website. If the client has said they would like to keep their monthly loan payments under a certain amount, and the Check My Rate tool estimates their payment is under that, thats the perfect chance for your salesperson to say, Looks like you can afford to add that kitchen island (marble counter, oak flooring, built-in spa, pool houseyou name the upgrade!) You may be able to find rates even lower if you have excellent credit. Lyon Financial. Your customers will know upfront how much they are approved for, the scope of the project they can afford, and the way the funds will be received. Get Paid on Your Draw Schedule, not the Lender's. Get Automated Updates on All Your Customers. Call us at 877-754-5966 for all the information you want. The APR listed is for a signature loan between $50,000 and $200,000 with a term of 360 months, for applicants with excellent and substantial credit (including but not limited to a minimum credit score of 800 and a debt-to-income ratio/DTI of 50% or less). Home equity loans are essentially when you tap into the equity you have in your home and take out a second mortgage. Business Details Location of This Business 118 Morlake Dr STE 202, Mooresville, NC. They did a great job on approving us without any issues. Up to 30 Year Terms Close the deal by simplifying the lending process. APR, terms, and loan amounts may differ based on loan purpose and credit profile. Soft credit inquiries should be used instead of hard credit inquiries by lenders. Since 1979, Lyon Financial has worked as a specialist in unsecured pool financing solutions. Were here to help you grow your business and build relationships that last. The lender can securely transfer the loan funds right to their bank account so they can start their project as soon as possible. HFS Financial. Advertising a personal loan reported to credit report and no liens against the property. Easy to apply. When customers have trouble finding financing, its easy for them to give up on pursuing a home improvement project. Some pool builders or retailers offer in-house loan programs through their partner lenders. HFS Financial is not a lender. The high cost to install a pool means that many people rely on pool financing. All loan programs found at www.hfsfinancial.net have no fees or penalties for prepayment. Many customers opt to wait before taking the plunge. As a company in business since 1979, we have honed the Lyon Financial loan process to perfection. Exact interest rate determined by credit profile. HFS's platform [] 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. HFS Financial offers low fixed rates and flexible payment options with terms up to 20 years. You could get a personal loan (sometimes referred to as a pool loan), a home equity loan, a home equity line of credit or a cash-out refinance. We know home improvement loans because that is all we do. No. The lowest interest rates are reserved for those with excellent and substantial credit. . Financing is offered by third party lenders for pool renovation projects and new pool construction. 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. No Stage Funding, Loans Fund 100% Up-Front. Our aversion to this approach is just one of the things we do to act in the consumers best interest. They can afford larger projects, higher quality materials, and dont have to wait on building their project in phases. BBB Business Profiles may not be reproduced for sales or promotional purposes. Are you ready to get paid on your schedule instead of the banks? No Stage Funding, Loans Fund 100% Up-Front, Accessory Dwelling Unit (ADU Loans) and Granny Flat Loans. It is also possible that lenders have income requirements that differ from one lender to the next. BBB is here to help. 253 followers . Your approval is good for 119 days, during which time the pool must be completed. 2023 Trustpilot, Inc. All rights reserved. I highly reccomend HFS Financial! Exact interest rate determined by credit profile. When a customer sees just how little their monthly payment could potentially be, many customers choose to increase the scope of their project. Funding Your Around The World Travel Experience. A cash-out refinance might make sense if youre able to get a lower interest rate than your current mortgage. Companies can ask for reviews via automatic invitations. Plus, as an HFS Contractor, that process starts from your website, which is convenient and puts your client at ease. If the estimates come in higher than you expected, consider scaling down the size of your pool project or using different materials. Interest rates can start around 3% and go up to about 36%. 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. At 118 Morlake Dr Suite 202, Lyon Financial Reviews has offices in Mooresville, NC. Lyon Financial is located at 118 Morlake Drive Suite 202, Mooresville, NC 28117. Amazing service end to end! With our easy-to-use tools and support, you can increase your sales, reach more customers, and show off all of your incredible projects to the world. No problem! Dear Penny: Am I Nuts to Take Out a Mortgage on the Home I Just Paid Off. After weve received your application information, one of our team members will be in touch with you. Conditions and limitations apply. Our simple and easy-to-use Check My Rate quickly allows them to get an idea about what their terms will be and estimate their payment. If your credit score is less than 600 or you do not yet have a credit history, you can still hold out hope. When you want to grow your business, talking to your customers more about financing should be at the top of your business plan priorities. We believe the best family vacations are the ones spent in your own backyard. Thanks guys! You can direct interested customers right to the HFS Financial widget on your website to start their financing inquiry. Local Contact, Brighton, MI: Terry Tipton 810-494-4888, terry_e_tipton@keybank.com. Within a week, we had the loan. Thats lightning fast compared to traditional bank loans. Loan documents are then ordered and sent electronically. We handle all of the paperwork and process each application quickly and securely. December 11, 2022 by Linda. 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. It was the cheapest loan And interest we could find. Did mine through HFS Financial..unsecure loan at around 7% APR took a total of like 3 weeks. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. We can extend for additional time as needed to complete the pool project, as long as no major changes to credit have been made. Once the process is started, it is a very quick turn around and the customer has the money directly in their account ready for the pool build to begin.. Adam Sidle was very nice and answered every question fast. A credit score of 600 or higher is generally required to use a personal loan to cover pool fees. I would definitely recommend HFS to anyone needing a home improvement loan. BBB Business Profiles generally cover a three-year reporting period. The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network. Home equity loans generally have lower interest rates than personal loans because your home is used as collateral. With HFS, you can rest assured you will be provided with industry leading loan terms and the best customer service experience possible. That lender in turn runs their own check. Expect to provide information about your income and other existing debt. HFS Financial: Apply Here. Personal loans ranging in size from $20,000 to $25,000 are available from a number of lenders. If you stop making payments and default on your loan, you dont have to worry about your house being foreclosed though the lender still could sue you. Viking Capital. never talked with a human. You will get much more visibility by. Some companies, however, will accept lower credit scores. Ideally, your credit score should be 700 or above. What types of home improvement projects can I finance? We have everything ready to go for you, and all you need to do is follow these simple steps. 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. They were in contact when needed making the process quick. Who doesnt love a relaxing dip in the swimming pool on a sweltering, hot day? More than just a pool loan, because it's so much more than just a pool. After that your interest rate could go up to 18% or more. Ive personally worked with dozens of different lenders, Ari has hands down been the best to work with!, We absolutely love partnering with HFS. HFS is incredibly efficient and effective at helping our clients get the money they need to bring their pool dreams to life. NEW $25,000 unsecured rates start at 9.99%, terms up to 7 years, (NO EQUITY REQUIRED) (No pre-payment penalty) scores from 725, NEW up to $10,000 Credit Card- MasterCard or Visa, with 0% APR, (12-18 months) (This is basically FREE money for almost 2 years), (Minimum monthly payment is required) scores from 740, 1st mortgage refinancing FHA,VA, Conventional & Reverse Mortgages. When you provide contractor financing options, customers can be confident that their financing process is easy and straightforward. I've found that their rates are as good as anything on the market and they have a sense of urgency when responding to their clients. Our mission is also to help contractors get paid easier, reach more customers by offering financing, and build their businesses. Help them secure financing, build a great rapport with your clients, and close those sales to boost your business. Those with a good credit score and little or no money are ideal candidates for quick start loans. Its been a real asset to have your link on our webpage. 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. Figure out how much disposable income you have to work with by comparing your monthly earnings to how much you typically spend each month. Subject to change. The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. You are using an out of date browser. If your house didnt already come with a pool when you moved in, theres still a possibility of turning your pool fantasies into reality if you have enough space. Lyon Financial and Lightstream are both companies that offer private student loans. 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. Financing also allows customers to dream bigger. There are a few key differences between Lyon Financial and HFS Financial. Verification can help ensure real people write reviews about real companies. It may not display this or other websites correctly. 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. HFS Financial HFS has one-of-a-kind loan programs and world-class service as shown by 1,500 + 5-star Reviews.
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