Those with a good credit score and little or no money are ideal candidates for quick start loans. Customers can feel secure in knowing they will have exceptional customer care, get approved quickly, and have no unexpected surprises down the road. We can extend for additional time as needed to complete the pool project, as long as no major changes to credit have been made. What Are the Benefits of Offering Financing to Every Customer? People with poor credit may require a larger loan if they need it. Lyon Financial also offers a lower interest rate for loans that are used for tuition and fees, while Lightstream does not. You could teach your kids to swim right at home. Low-Fixed Rates This experience was amazing. Lyon Financial. HFS has thousands of 5 Star Customer and Contractor Reviews. The information you provide to Lyon Financial is not an application for a loan from Lyon Financial. Our mission is also to help contractors get paid easier, reach more customers by offering financing, and build their businesses. 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. Plus, they will enjoy competitive interest rates and fixed payments that fit within their budget. When it comes to high-dollar home improvements, new pools, or even simple renovations, its important to remove barriers that cause your customers to back off on pursuing the project of their dreams. Will I have any hidden costs associated with my loan? Signed contract with Lyon financial in 12/2019 unbeknownst to us or never explained that ********** would own the loan. Lyon Financial - Swimming Pool Financing Specialists Since 1979 Outstanding customer service and even better terms for our customers, My experience with HFS has been amazing! This also ensures that you are not left holding the bag for any financial losses as a result of bank funding delays or denials. Should you need copies of documents you were sent and signed please dont hesitate to request this information.We are sorry to hear that you feel loan information was not disclosed. What kind of financing text should I put on my website? HFS Financial recognizes that there may be differences in interest rates based on loan amount, credit history, and other factors. Light Stream. HFS loan programs do not fund to the contractor, which empowers YOU, the consumer and makes life easier for the contractor when it comes to getting paid. 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. They dont have to worry about waiting for approval before making adjustments in order to complete their dream. The company acts in the capacity of a financial consultant, and partners with a network of lenders to provide multiple loan offers for pool construction projects. 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. Very understandable and easy, seamless application process. Why should I get home improvement financing? 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. HFS Financial is located in Reisterstown, Maryland. Here are 8 tips for writing great reviews. Subject to change. After weve received your application information, one of our team members will be in touch with you. This is very helpful and I will reach out to the few places recommended by everyone. Whether your company offers a service or provides a product, process is everything. If you default on your loan, the lender could foreclose on your home. We particularly enjoy the quick turn-around times for the loans and the excellent communication we receive. Thank you! Conditions and limitations apply. Business Details Location of This Business 118 Morlake Dr STE 202, Mooresville, NC. 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. Personal loan terms generally range from about two to 12 years though some pool loans can have terms up to 20 years or more. This quick and convenient button will take customers to your personalized HFS Financial page. In the Non-Bank Financial Service category. | Cookies Settings. Pool loans are unsecured personal loans offered by banks, credit unions and online lenders. It was the cheapest loan And interest we could find. Their rate is low, but they have a $1995 "processing fee" paid to them out of the loan proceeds. 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. It is personally reviewed by a member of our loan team. Overall, Lyon Financial seems to be a reputable company that offers a good product. Look no further than HFS, their team is simply the best!, We love sending our clients to HFS. Plan to have it paid off by December of 2020 but I hate paying interest so hope we can finish it earlier. This may be a good task for a web developer, or feel free to reach out to your HFS contractor success manager and we will take care of this process for you. Viking Capital is a family-owned business that has been in operation since 1999. If you dont get your score up before starting a pool, you wont be able to build one. Did you pay that fee? Gone are the days of bank approvals and outrageous credit card interest rates. Thats lightning fast compared to traditional bank loans. It only takes 60 seconds, and your credit will NOT be pulled. I dont remember the loan type but I know we did not have any closing costs. Offering contractor financing sounds complicated, but its dead easy. What is a good interest rate for a pool loan? And, Do you think adding a custom pole barn to your homes property would be a great asset? Advertised rates and terms are subject to change without notice. What types of home improvement projects can I finance? This business is in an industry that may require professional licensing, bonding or registration. Please click on the links below to fill out a pool . When a customer sees just how little their monthly payment could potentially be, many customers choose to increase the scope of their project. Are you ready to get paid on your schedule instead of the banks? How a Custom Pole Barn Can Transform Your Landscape. The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. Its estimated that about 75% of customers need a loan to achieve their home improvement dreams. With your handy web widget from HFS Financial, youll be the one-stop shop for your customers. These loans have a shorter term but can be repaid very quickly. NO STAGE FUNDING 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. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met. Easy to do business with. Does anyone have any recommendations on pool loan companies with competitive interest rates? Heres How to Cope With Financial Stress. Financing also allows customers to dream bigger. APR, terms, and loan amounts may differ based on loan purpose and credit profile. Available on approved credit, not all will qualify. #Available on approved credit, not all will qualify. 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. HFS Financial. If my customers use the widget, how do I know if my customer is approved for their 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. We explored a home equity loan but found out quickly that the HFS team wanted our business and created an excellent customer service environment. Customers can get the money for their project quickly and pay their bills directly allowing them to enjoy their new home improvement project as fast as you can complete it. Contact: Larry Collins 1-800-254-9560 Ext 3 or Apply At: Program is offered to consumers with excellent credit. Dont forget to factor in maintenance and additional utilities usage when estimating how much you can afford to go toward pool costs. Readily available to answer any question or concerns. Advertising a personal loan reported to credit report and no liens against the property. Some affiliates of Lyon Financial may offer a rate discount via AutoPay. 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. For more information visit HFS Financial. We look at overall credit health, including your debt-to-income (DTI) ratio. This ensures that funds are not disbursed in advance of work being completed. If youve got excellent credit and would qualify for a low-interest personal loan (unsecured loan), that might be the better option. Will you be applying for an unsecured loan or do you plan to tap into your home equity or refinance your mortgage? We do one thing and we do it better than anyone. You must log in or register to reply here. I encourage anyone to use HFS to finance their home improvement projects! Replies to negative reviews in < 24 hours. Here are some of the other reasons homeowners like working with HFS. The infamous small print where all the scary stuff tends to be hidden; thats not how we roll. How to Help Your Customers Get Pole Barn Financing, 4 Reasons You Should Talk to Every Client About Financing, When to Talk About Financing with Your Contracting Customers, How to Answer the Phone as a General Contractor. 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. This downloaded widget can then be used on your website; however, you need to connect it with your personal HFS account first. A cash-out refinance is essentially when you replace your existing mortgage with a new mortgage that exceeds what you owe on the house and you take out the difference in cash. With HFS, you can rest assured you will be provided with industry leading loan terms and the best customer service experience possible. Loans for non-pool/standalone home improvement projects may incur different rates and terms based on loan purpose. The company has been in business for over 20 years and is headquartered in California. Only after checking their rates and starting the discussion with HFS Financial will they apply for the right loan for their needs. Anyone can write a Trustpilot review. 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. But never were we told that there would be a lien against our home, not allowing us to refinance the house. With a personal, no stage funding loan, project delays are a thing of the past. Thats where our excellent customer service begins. Hours of outdoor fun and watching your children play. Not all will qualify. 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. We eliminate the usual lengthy & stressful loan process to quickly and conveniently bring your backyard dreams to life. After documenting that the job is complete and you are satisfied, the final funds are disbursed. *Available on approved credit, not all will qualify. Unlike most home improvement loans, you the consumer get all the money funded directly to you, upfront. We have over 75 years of hands on pool loan experience so you have come to the right place. 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. We just had to submit everything they asked for. 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. If you have any questions about swimming pool loans or home improvement loans call 1-800-254-9560 and press 5. The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. To see if you qualify, call Lyon Financial at 877.754.5966 or apply online today. 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. 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! Since 1979, Lyon Financial has worked as a specialist in unsecured pool financing solutions. Subject to credit approval. I will definitely be using them for any future projects and will be referring them to friends. Any new postings here are unlikely to be seen or responded to by other members. It is also possible that lenders have income requirements that differ from one lender to the next. There are several ways to go about getting a loan for a pool. Interest rates can start around 3% and go up to about 36%. That lender in turn runs their own check. I had the loan open a month, and this fee was added on top of interest. We refer everyone to HFS now. Highly recommend. Talk with pool builders to get estimates on the total cost of your desired pool project. Its been a real asset to have your link on our webpage. 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. Loan documents are then ordered and sent electronically. Adam Sidle and Jonathan Kahl were amazing to work with. Not sure how much you need? I would definitely recommend HFS to anyone needing a home improvement loan. Two companies we have relationships with are HFS Financial and Lyon Financial. Available on approved credit, not all will qualify. 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. Financial Independence, Retire Early: What Is the FIRE Movement? The reason is simple: TFPC (Trouble Free Pool Care) is a methodology, not a product that you must purchase. Pool Rx works with Lyon Financial and HFS Financial to offer pool financing options for you to finance your backyard dream. When you refer your clients to HFS, they wont have to worry about coming up with a down payment or any other funds. If You Have More Than $1,000 in Your Checking Account, Make These 9 Moves, This 10-Day Savings Challenge Is Going Viral By Making People Richer, The 9 Biggest Money Secrets Most Rich People Wont Tell You. Our lenders can choose from any of the three Big Three reporting bureaus: Experian, Equifax, and TransUnion, but they must take into account TransUnions expertise. Exact interest rate determined by credit profile. Such an easy process!!! Here at National Pools & Spas, we want to ensure that paying for your outdoor water feature is a comfortable experience. So we run our credit check first and work to pair you with the best lender for your situation. Loans up to $500,000 They did a great job on approving us without any issues. 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. Advertised rates and terms are subject to change without notice. Each program pays in at least three stages, from excavation to project completion (as defined in the contract). 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. Youll only need additional staff when your business starts to grow in other areas because contractor funding has earned your additional customers and projects. APR, terms, and loan amounts may differ based on loan purpose and credit profile. Couldn't have been easier. This type of financing is the same as applying for a personal loan or pool loan. 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. 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. Is Money Heavy on Your Mind? I got approved by Lyon Financial over a year ago, but I'm pretty sure that they only ran my credit one time (because I got just one alert sent to me-I have a protection on my credit report). Not all will qualify. In less time than any other home improvement loan process, well have you connected with the project financing you need. When you provide contractor financing options, customers can be confident that their financing process is easy and straightforward. To pay for a pool using a personal loan, you will usually need a credit score of at least 600. They are both similar in that they offer competitive rates and terms, and they both have a wide variety of repayment options. You wont be required to submit a credit check because these loans are pre-approved and have a lower interest rate. 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. That means that customers can find the right loan for their needs and budget. 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. They provide great customer service to our clients, they close the loans quickly, and the level of communication with us is outstanding. With a HELOC, you can pull out funds as needed to finance your pool construction and other home improvement projects. We handle all of the paperwork and process each application quickly and securely. It was the smoothest and fastest loan I have done. 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. You dont want a pool construction project to jeopardize your ability to pay your bills and meet your needs. 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. 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! It goes against our guidelines to offer incentives for reviews. HFS was super response to our initial request. An inquiry you submit to Lyon Financial is for the purpose of obtaining additional information regarding a potential loan provided by a third-party lender under terms & conditions arranged directly between you and such lender, and conditioned upon the completion of all credit documentation. The other two major credit bureaus are used for Lyon Financials soft credit pulls, and our lenders conduct hard inquiries with them. HFS Financials amazing customer care team is always available to answer any questions your customers may have. Adam made sure that everything was explained and kept us informed of all ongoing actions. We make memories. When you apply, we will do a soft credit check to view your credit profile and narrow down your options for securing a loan. Whatever your home improvement project is, inside or out, HFS Financial offers consumers access to the best personal loan options available based on our suite of custom-developed loan programs, with industry-leading loan terms and low fixed rates. Once you know what type of financing youll go with, reach out to multiple lenders so you can compare offers and choose the best deal. It is our recommendation that you use a single credit bureau in order to obtain an accurate picture of your credit status. Dear Penny: Am I Nuts to Take Out a Mortgage on the Home I Just Paid Off. From your showroom, customers can use our Check My Rate for real-time lowest payment amounts on demand! Once they enter their preliminary information, one of our amazing customer care team members will be in contact with them quickly to let them know their loan options for their project. Ideally, youll want to have a credit score of 700 or higher to get the best interest rates for pool financing. Help them secure financing, build a great rapport with your clients, and close those sales to boost your business. 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. Conditions and limitations apply. Conditions and limitations apply. At Lyon Financial, we don't just build pools. Give us a call or visit us to get started today. HFS motto is You Dream it, We finance it and there motto is exactly on point, I dreamed it and they helped me finance it! Conditions and limitations apply. Some companies, however, will accept lower credit scores. Amazing service end to end! Reinvent your bathroom, garage, or outdoor living areas with a fast funding home improvement loan. 6.99% (good credit) and 4% lender processing cost rolled into loan. Hi,If you have funded a loan through HFS please know that all loan terms are always fully disclosed prior to approval and funding. I also used hfs financial which brokered the deal to a credit union for a fee of 1500.00 if I remember correctly. They have a loan that requires no collateral. Advertised rates and terms are subject to change without notice. Exact interest rate determined by credit profile. Everything is detailed for your customer upfront. Getting a home improvement loan or swimming pool financing doesnt have to be a complicated, time-consuming process. get same day answers, Get instant loan answers OR speak with a loan consultant, Securely upload some basic documents for loan verification, If youre looking for smart, fast swimming pool financing, home improvement loans, or a loan for a backyard renovation project, youve come to the right place at HFS Financial. You could bring your friends together over the summer by hosting pool parties. Cant believe how fast was to get approved and the loan amount is already on our bank account in less that 2 weeks since the day we applied. The technical storage or access that is used exclusively for statistical purposes. With HFS Financial, there are no hidden costs. Low, fixed rates, Unsecured Loan I had a two Home Improvement loans with HFS and they are the BEST. Lyon Financial Vs Hfs Financial. Lyons Financial is a highly respected financial institution, and as such, they have high standards for who they approve for loans. Close the deal by simplifying the lending process. Highly recommend!, What impresses me the most about HFS is how quick and easy the process is for both the customer AND salesperson. We use dedicated people and clever technology to safeguard our platform. Very easy to work with and fast approval.