Chat Now. This means youre clear to close.. If this is the case, right-click the form link, save the PDF to your device, then open the form outside of your browser. There were discrepancies in what was initially provided to HFS by you. Under normal circumstances, initial underwriting approval happens within 72 hours of submitting your full loan file. Act today and get the home improvement loan you and your family deserve. Most importantly, underwriters will look at your: Provided your finances check out and the home appraises at or above the purchase price, youll move on to the next step, which is often a conditional approval.. HFS Wealth Management 8350 Meadow Road, Suite 181 Dallas, TX 75231 Phone: (214) 346-0785 Email: info@hfs-wm.com OMG. He was very helpful and patient and worked endlessly to ensure that my loan was quickly processed and approved, despite computer difficulties. We will arbitrate between you and the contractor, should any conflicts or misunderstandings arise. It was an overall good experience. Payment example: Monthly payments for a $50,000 loan at 6.49% APR with a term of 30 years would result in 360 monthly payments of $315.71. var elementorFrontendConfig = {"environmentMode":{"edit":false,"wpPreview":false,"isScriptDebug":false},"i18n":{"shareOnFacebook":"Share on Facebook","shareOnTwitter":"Share on Twitter","pinIt":"Pin it","download":"Download","downloadImage":"Download image","fullscreen":"Fullscreen","zoom":"Zoom","share":"Share","playVideo":"Play Video","previous":"Previous","next":"Next","close":"Close"},"is_rtl":false,"breakpoints":{"xs":0,"sm":480,"md":768,"lg":1025,"xl":1440,"xxl":1600},"responsive":{"breakpoints":{"mobile":{"label":"Mobile","value":767,"default_value":767,"direction":"max","is_enabled":true},"mobile_extra":{"label":"Mobile Extra","value":880,"default_value":880,"direction":"max","is_enabled":false},"tablet":{"label":"Tablet","value":1024,"default_value":1024,"direction":"max","is_enabled":true},"tablet_extra":{"label":"Tablet Extra","value":1200,"default_value":1200,"direction":"max","is_enabled":false},"laptop":{"label":"Laptop","value":1366,"default_value":1366,"direction":"max","is_enabled":false},"widescreen":{"label":"Widescreen","value":2400,"default_value":2400,"direction":"min","is_enabled":false}}},"version":"3.11.3","is_static":false,"experimentalFeatures":{"container":true,"theme_builder_v2":true,"landing-pages":true,"kit-elements-defaults":true,"page-transitions":true,"notes":true,"loop":true,"form-submissions":true,"e_scroll_snap":true},"urls":{"assets":"https:\/\/www.hfsfinancial.net\/wp-content\/plugins\/elementor\/assets\/"},"swiperClass":"swiper-container","settings":{"page":[],"editorPreferences":[]},"kit":{"active_breakpoints":["viewport_mobile","viewport_tablet"],"lightbox_enable_counter":"yes","lightbox_enable_fullscreen":"yes","lightbox_enable_zoom":"yes","lightbox_enable_share":"yes","lightbox_title_src":"title","lightbox_description_src":"description"},"post":{"id":74,"title":"About%20HFS%20Financial%20-%20HFS%20Financial","excerpt":"","featuredImage":"https:\/\/www.hfsfinancial.net\/wp-content\/uploads\/2020\/07\/dreamstime_m_143401435-1-1024x683.jpg"}}; https://www.hfsfinancial.net/wp-content/plugins/elementor/assets/js/frontend.min.js, https://www.hfsfinancial.net/wp-content/plugins/ele-custom-skin-pro/assets/js/ecspro.js, https://www.hfsfinancial.net/wp-content/plugins/elementor-pro/assets/js/webpack-pro.runtime.min.js, https://www.hfsfinancial.net/wp-includes/js/dist/vendor/regenerator-runtime.min.js, https://www.hfsfinancial.net/wp-includes/js/dist/vendor/wp-polyfill.min.js, https://www.hfsfinancial.net/wp-includes/js/dist/hooks.min.js, https://www.hfsfinancial.net/wp-includes/js/dist/i18n.min.js. The Ascent does not cover all offers on the market. HFS Finacial has a great asset here. Pre-approval vs. conditional approval: Whats the difference? We apologize if any language, written or verbal was unclear. Unfortunately, many other companies take a customers information and scattershot the request to all their lenders. Your loan received a preliminary or conditional approval. Had a wonderful experience securing our loan through HFS Financial. Checking vs. Savings Account: Which Should You Pick? Loan application volume (how many mortgages a lender is processing at once), The complexity of your loan profile (for example, someone with issues in their credit history might take longer to approve than someone with an ultra-clean credit report), Documentation to support large cash deposits in your bank account, Additional details from the appraiser to support the value of the home, Certain debts on your credit report may need to be paid off in order to qualify, Bank statements, sometimes covering 12 months, may be needed to show proof of making a particular payment, If youre self-employed, a year-to-date profit and loss statement may be necessary. Non-Bank Financial Service HFS Financial HFS Financial Reviews 1,105 Excellent 4.8 VERIFIED COMPANY hfsfinancial.net Visit this website Write a review Reviews 4.8 1,105 total 5-star 93% 4-star 3% 3-star < 1% 2-star < 1% 1-star 2% Filter Sort: Most relevant KA Kay 2 reviews US Apr 29, 2022 Loan documents are then ordered and sent electronically. We will be reaching out when we are ready to build our ADU. Now, I can get my home improvement project underway. 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. Youllreceive a call, text and/or email within 24 hours or less, and usually in 1-2 hours of application,to discuss and review your loan terms and the home improvement project you have in mind. I was under the impression my loan was with HFS and I found out at a later date it was with a certain credit union. We love the difference we can make for your family by providing something that puts years of memories within reach. I worked with Lon Parker, and I had difficulty getting into the system to finish processing my loan. Searching for the right home improvement loan takes valuable time, and theres always plenty of questions about interest, payback schedules, and loan disbursement (i.e. It is personally reviewed by a member of our loan team. Adam and JP were excellent with communication, being pragmatic in my loan approach, supportive and professional. HFS Financial is not a lender. 100% recommended. If underwriting is taking longer than expected, reach out to your loan officer to see whats causing the delay and whether anything is needed from you to move the process along. Adam Sidle and JP Wigfall were very prompt in answering all my questions and concerns. endstream endobj startxref We rely on the expertise of TransUnion, but our lenders may use any of the Big Three reporting bureaus: Equifax, Experian, and TransUnion. They immediately respond and answer your questions on financing needs. They follow a fairly strict protocol with little wiggle room. All you need to do is complete the no obligation 60-Second Loan Application. But it also pays to get conditional loan approval. Theres always a change you want to make that would increase the value of the home and make it more comfortable and convenient for everyone in your family. This is another area where the focus on customer service makes all the difference at Lyon Financial. NO STAGE FUNDING With HFS Financial, you dont have to worry about wasting your time. welcome to hfs wealth management HFS Wealth Management is a trusted advisory firm that has counseled affluent individuals, families, business owners and institutions since 1994. The list of HFS loans we provide is extensive. Personal Home Improvement Loans. FICO score of 850 required for 4.49% APR. APR, terms, and loan amounts may differ based on loan purpose and credit profile. The loan process was painless and the staff were very helpful and responsive when ever I had questions. Log in or register for an account to make payments, view statements and more. Thank you so much for all your help and guidance. Your loan received a preliminary or conditional approval. FUND YOUR LOAN! A conditional approval is available within 24 - 48 business hours. That lender in turn runs their own check. When a company has such a focused vision, it is easy to cut through the clutter to get the job done. Can't wait to see my pool and windows!! This is my 3rd loan with HFS and by far the fastest and easiest. While hotel prices continue to rise, we'll never have to leave home to enjoy the tropics. wp.apiFetch.nonceEndpoint = "https://www.hfsfinancial.net/wp-admin/admin-ajax.php?action=rest-nonce"; var jetReviewPublicConfig = {"version":"2.3.1","ajax_url":"https:\/\/www.hfsfinancial.net\/wp-admin\/admin-ajax.php","current_url":"https:\/\/www.hfsfinancial.net\/about-hfs-financial","getPublicReviewsRoute":"\/jet-reviews-api\/v1\/get-public-reviews-list","submitReviewCommentRoute":"\/jet-reviews-api\/v1\/submit-review-comment","submitReviewRoute":"\/jet-reviews-api\/v1\/submit-review","likeReviewRoute":"\/jet-reviews-api\/v1\/update-review-approval","reviewTypeData":{"id":"1","name":"Default","slug":"default","description":"","source":"default","fields":[{"label":"Rating","step":1,"max":5}],"meta_data":""},"labels":{"alreadyReviewed":"*Already reviewed","notApprove":"*Your review must be approved by the moderator","notValidField":"*This field is required or not valid","captchaValidationFailed":"*Captcha validation failed"},"recaptchaConfig":""}; https://www.hfsfinancial.net/wp-content/plugins/jet-reviews/assets/js/jet-reviews-frontend.js. pp:V1F~T]k0n. Very easy to work with. Not all will qualify. Josh and Trish are AMAZING! In the mortgage world, underwriters are the gatekeepers between you and your home loan. HFS Financial can help you with the perfect home improvement loan for both exterior and interior home improvement projects. Once the loan documents are signed and returned to Lyon Financial, the builder is given a clear to start and construction can officially begin. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. A conditional approval means the bank is likely to approve your mortgage but only on specific terms as long as pending conditions are met. Jennifer and Alan were so helpful. Here, we'll review what conditional approval for a home loan entails and explain how to get a conditional approval. When I called HFS, I spoke with David and helped me to apply for home improvement loan. Some affiliates of Lyon Financial may offer a rate discount via AutoPay. With mortgage pre-approval, an underwriter doesn't review your financial documentation. Advertised rates and terms are subject to change without notice. That could come in handy in a bidding war. Adam Sidel was very helpful in making this the easiest transaction I have ever completed. We extend our congratulations on this conditional approval and look forward to working with you further throughout the implementation of ARP section 9817. That's not the case with pre-approval. I would like to thank Carrie and Daniel for the experience. All I can say is that this company hits on all cylinders! Thanks again for you all help. The easiest, completely automated loan process with personalized service to back it up. Check out what 1,094 people have written so far, and share your own experience. Personal Home Improvement Loans. Thousands of 5-Star Reviews. Great customer service. They are simply great, from the first phone call, all the way to loan funding, you will not be disappointed. As an ex Vp/Senior Branch Manager in banking, I am very familiar with the process for obtaining any loan and by far HFS was one of the best experience. This caused confusion on my part and if my wife wouldn't have opened that certain email we would still be waiting on documents from the certain credit union. Here are 8 tips for writing great reviews. There were no additional fees they did not clearly describe to me, and no "catches" along the way. Creating an ADU for your parents or in-laws can prove to be invaluable. Everything went smoothly. In the Non-Bank Financial Service category, Excellent Service. HFS Financial provides loan services for virtually any home improvement project you have, nationwide. In addition to shopping interest rates and closing costs, turn times should be one of the final factors in your ultimate choice of a lender. They were both very direct with my options and what I needed to provide to get the loan i needed. Thank you, Amanda. Refinances are averaging 45 days. Apply For A Loan Does NOT affect your credit, get same day answers Step 2. The information you provide to Lyon Financial is not an application for a loan from Lyon Financial. He was quick to respond to my emails, and he was very professional. Adam Sidle and the HFS team did a fantastic job of answering any and all questions promptly and getting us exactly what we needed. I was really struggling with my own bank. They got be a larger amount than I thought was possible and at a very competitive rate. Loans up to $500,000 After the conditional approval, income verification documents need to be submitted. Consistent communication is key. First Off I would like to thank HFS especially Adam Sidle and Carrie Decker for tackling our loan need for our home improvement, without there continued assistance and guidance throughout the process this will be a mountain to climb for me and my wife. 0 We provide loans for virtually any home improvement project you have. Low and behold I was approved and received the exact amount as he stated. Step 1. Best Homeowners Insurance for New Construction, How to Get Discounts on Homeowners Insurance. For instance, should you be checking your email? HFS Financial is not responsible or liable for any products, services, information,or other materials displayed, purchased, or obtainedbecause ofor in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification,loan,or interest rate analysis. Just moved into my brand new home and wanted to have a pool built to finish it off. With our help, you can get the home improvement loan you need in less time than you think, along with better rates than you ever thought possible. Jay and Amanda were very attentive and had great communication. Advertised rates and terms are subject to change without notice. Our list of Home Improvement Loans includes: HFS Financial strives to be the best financing partner for homeowners and home improvement contractors nationwide. A mortgage can be denied if the terms of the conditional approval arent met, or if your financial information has changed since you were pre-approved. Loans up to $500,000 HFS Financial can help you with the perfect home improvement loan for both exterior and interior home improvement projects. var JetTabsSettings = {"ajaxurl":"https:\/\/www.hfsfinancial.net\/wp-admin\/admin-ajax.php","isMobile":"true","templateApiUrl":"https:\/\/www.hfsfinancial.net\/wp-json\/jet-tabs-api\/v1\/elementor-template","devMode":"false"}; https://www.hfsfinancial.net/wp-content/plugins/jet-tabs/assets/js/jet-tabs-frontend.min.js, https://www.hfsfinancial.net/wp-content/plugins/elementor/assets/js/preloaded-modules.min.js, https://www.hfsfinancial.net/wp-content/plugins/elementor-pro/assets/lib/sticky/jquery.sticky.min.js. In extreme scenarios, this process could take as long as a month. Copyright, Trademark and Patent Information. Not all will qualify. 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. All information is subject to change without notice. However, you may need to help satisfy at least one or more conditions before that can happen. We use cookies to optimize our website and our service. (These include previous years tax returns specifically Schedule C & E for those self-employed; a W-2 and recent pay stubs for wage earners). HFS Financial's main service is called a 60-Second Loan Application. #Available on approved credit, not all will qualify. %PDF-1.7 % HFS Financial strives to be the best financing partner for homeowners and home improvement contractors nationwide. With our help, you can get the home improvement loan you need in less time than you think, along with better rates than you ever thought possible. Each program pays in at least three stages, from excavation to project completion (as defined in the contract). hio6 We also ensure all reviews are published without moderation. HFS Financial is in the business of assisting homeowners in securing financing for. Payment example: Monthly payments for a $50,000 loan at 5.75% APR with a term of 20 years would result in 240 monthly payments of $351.04. For example, conditional approval for a home loan might hinge on that home appraising for a certain amount of money. Alexis was my loan processor and she was excellent . She was very professional and respectful in dealing with us. HFS staff members are top notch professionals with a can do attitude, and I highly recommend HFS for you financing needs. Upon final approval, a copy of the signed contract between the builder and customer is provided. BEWARE BORROWERS. HFS You Dream It, We Finance It.. A home improvement loan allows you to achieve your dreams. We hold a steadfast position to never allow a customers credit to take more hits than it should. For example, the underwriter may require a letter of explanation for derogatory information on your credit report. One of our exclusive lenders will then receive the application. The underwriting process can take anywhere from a few days to over a week, depending on your lender and underwriter. This company gave an approval directly to Blue World Pools on our behalf. Speak To A Loan Consultant Get instant loan answers OR speak with a loan consultant Step 3. Thats why HFS Financial focuses solely on assisting homeowners that want to obtain the best home improvement loans available. We will recommend HFS to family and friends. Whether your company offers a service or provides a product, process is everything. Conditional loan approval could also speed up the closing process. Process to apply was fast and easy. Thanks again, I am so excited to get started. And the financing % as well.I want to thanks both of you for helping me finance my Home project. Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. var gtm4wp_datalayer_name = "dataLayer"; But delays can still happen at different stages in the process. Bryan, Alan and Judy are all INCREDIBLE! Replies to negative reviews in < 24 hours. If youre denied, ask your lender why, and what you can do to have the decision overturned. Replies to negative reviews in < 24 hours. Another super helpful ADU is an in-law suite. Conditional mortgage approval simply involves getting a letter proving this part of the process is complete. We extend our congratulations on this conditional approval and look forward to working with you further throughout the implementation of ARP section 9817. Verification can help ensure real people write reviews about real companies. American Honda Finance Corporation, also known as Honda or Acura Financial Services, helps you manage your finance account online, at your convenience. Some other things that make us stand out: This is probably our most frequently asked question. HFS is a great company to use for pool loans. Find out how we combat fake reviews. Andrea answered every question I had and kept me in the loop when the loan was approved, loan docs coming out, etc. Got everything processed very quick. 210 0 obj <>stream We dont abandon you just because construction has begun. The HFS representative that I worked with was excellent. But the over all experience was good. Having aging parents you want close by or who are moving in to help with small children can be a blessing. Our most frequently asked question homeowners that want to thanks both of you for helping Finance! Us exactly what we needed, theyre about genuine experiences.Learn more about other of. Need to be submitted ready to build our ADU be checking your email clutter to started... One of our exclusive lenders will then receive the Application explain how to get job... 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