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. 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. *Available on approved credit, not all will qualify. Terms up to 20 years 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. They provide great customer service to our clients, they close the loans quickly, and the level of communication with us is outstanding. 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. 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. Lyon Financial is a financial services company that offers a variety of products and services to its clients. Lyon Financial is pleased to offer a wide range of financing options to applicants with a credit score of at least 620. Credit scores must be at least 620 in order to apply; however, there is no credit score requirement. This business is in an industry that may require professional licensing, bonding or registration. They were in contact when needed making the process quick. There are no hoops to jump through, no home equity needed, no down payment, and no need to pay for a home appraisal. The benefit is that you get a one-stop-shop experience instead of having to reach out to lenders individually. 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. A home equity line of credit or HELOC also taps into the equity you have in your home, but its a revolving line of credit that you can use for several years instead of a loan that provides you with one lump sum of cash. HFS application process was user friendly. That makes the APR on their fixed rate of 6.75% about a point higher. Were here to help you grow your business and build relationships that last. 15 Year Term I couldnt have done it any better. Lyon Financial APR (interest rates) As low as 2.99% Maximum loan amount $200,000 Loan terms Up to 25 years HFS Financial Best for Large Pool Loans 4 out of 5 Overall Key Features Provides loans up to $500,000 Most loans are funded within 48 hours No prepayment penalties Get Details Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. 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. Term of 30 years requires a minimum FICO of 780. Soft credit inquiries should be used instead of hard credit inquiries by lenders. No problem! With affordable payment plans and fast approvals, HFS Financial makes it easy to begin your dream home remodeling project today. By working with HFS Financial, you offer a streamlined lending process to your customers, with clear expectations and an easy-to-understand process that will leave your customers feeling satisfied and secure. You could put off your pool construction project for a few years and save up for the expense in cash. Contact our team members for more information on how we can help you turn today's dreams into tomorrow's memories. When customers have trouble finding financing, its easy for them to give up on pursuing a home improvement project. APR, terms, and loan amounts may differ based on loan purpose and credit profile. There are 5 options we recommend to finance your pool. Financing Your Pool Project. We use cookies to optimize our website and our service. Light Stream. 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. Customers love having options when it comes to how they pay for products or services and HFS Financial makes it easy for your business to become a frontrunner in your area. Customers can get approved funds fast, so they can start their project on time. All loan programs found at www.hfsfinancial.net have no fees or penalties for prepayment. Swimming pool cooling can help you escape Georgia heat, exercise, spend time with the family, and even increase the value of your home. Lyon Financial recognizes that there may be differences in interest rates based in loan amount, credit history, geographic location, and other factors. Very easy to work with and fast approval. Pool financing is when you borrow money from a financial institution or lender to cover the costs of building a pool. Here are some of the other reasons homeowners like working with HFS. The whole project funds direct to the customer, up-front. Unlike many banks and credit unions, our experience is unique to swimming pools, not just any type of loan. What kind of rate and term can I get for my home improvement project? The cost of all of the materials and labor required to construct a pool can range from $20,000 to $100,000. The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. Overall, Lyon Financial seems to be a reputable company that offers a good product. Thats where our excellent customer service begins. The loan options are based on your income and creditworthiness. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. Lyons only pulls your credit once. Which for 12 years is still lower than any others I can find. If your credit score is less than 600 or you do not yet have a credit history, you can still hold out hope. 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. With your handy web widget from HFS Financial, youll be the one-stop shop for your customers. By discussing financing with every client, your sales grow while your clients get the features theyre dreaming about! HFS Financial is a financing company that partners with third-party lenders to provide homeowners with the money to construct pools on their property. We also look for any recent negative marks, such as bankruptcies or tax liens. Your pool contractor may even be able to assist you through the loan process. After many years of assisting homeowners obtain home improvement financing, the team at HFS Financial is your perfect home improvement financing partner. FICO score of 850 required for 4.99% APR. No more waiting on a bank to approve them or sending in paperwork to apply. Dont forget that we also specialize in helping our clients secure home improvement loans too! Thanks again., We have been working with HFS Financial for a few years now with our clients. HFS Financial. A credit score of 600 or higher is generally required to use a personal loan to cover pool fees. Heres what a few top lenders are currently offering. (These include previous years tax returns specifically Schedule C & E for those self-employed; a W-2 and recent pay stubs for wage earners). If you want to add a pool to your property, but dont have the cash upfront, you have several options. Expect to provide information about your income and other existing debt. HFS Financial specialize in helping homeowners with loans to finance a new swimming pool, outdoor kitchen . Swimming pool and home improvement financing! Call us at 877-754-5966 for all the information you want. Financial Independence, Retire Early: What Is the FIRE Movement? They have a loan that requires no collateral. A score of at least 680 is frequently required to obtain a home equity loan or home equity line of credit (HELOX). Advertised rates and terms are subject to change without notice. Ideally, youll want to have a credit score of 700 or higher to get the best interest rates for pool financing. At Lyon Financial, we love the difference we can make for your family by providing something that puts years of memories within reach. Richard and Joe were fantastic. This also ensures that you are not left holding the bag for any financial losses as a result of bank funding delays or denials. This is another area where the focus on customer service makes all the difference at Lyon Financial. If you choose this financing option, be sure that youll be able to pay off the balance in a relatively short period of time. Did mine through HFS Financial..unsecure loan at around 7% APR took a total of like 3 weeks. We rely on the expertise of TransUnion, but our lenders may use any of the Big Three reporting bureaus: Equifax, Experian, and TransUnion. We can extend for additional time as needed to complete the pool project, as long as no major changes to credit have been made. *Available on approved credit, not all will qualify. Lyon Financial offers financing solutions for swimming pool and home improvement loans nationwide. If youre able to open a zero-interest credit card and pay the balance back before the zero-interest period expires, paying with a credit card can be a great option especially if its a rewards card thatll give you points, airline miles or cash-back for spending or a bonus just for opening the account. 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. Future clients dont need to search for financing after visiting our page, they can click on the spot and find out. 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. Capital One 5 years . This type of financing is the same as applying for a personal loan or pool loan. Thats lightning fast compared to traditional bank loans. He was a great communicator & the loan process was super smooth. However, with HFS Financial, that worry is gone as soon as they visit your website or meet with you in person. We handle all of the paperwork and process each application quickly and securely. 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. Subject to credit approval. 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! We have recently found it in small print in the paperwork. Not all will qualify. The infamous small print where all the scary stuff tends to be hidden; thats not how we roll. Feel free to explain how their credit score wont be affected by inquiring about financing. Reinvent your bathroom, garage, or outdoor living areas with a fast funding home improvement loan. LIghtstream was EASY. Business Details Location of This Business 118 Morlake Dr STE 202, Mooresville, NC. 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. And all of this comes at no cost to you! 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). Dont forget to factor in maintenance and additional utilities usage when estimating how much you can afford to go toward pool costs. 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. Private, unsecured loans typically need to be repaid sooner, however some have loan terms of 20 years or more. Adam Sidle and Krystie McMahon were an awesome team and great from start to finish. To answer the question about what credit bureau does Lyon Financial use? As a matter of policy, BBB does not endorse any product, service or business. 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.
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