You may be able to use a competitors lower offer to get a lender to reduce their offer even further. Maximum loan amount of $75,000. Offering contractor financing is the foundation of your successful business. When a company has such a focused vision, it is easy to cut through the clutter to get the job done. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Anything that you are not familiar with would be challenging and would look complicated, but Adam Sidle and Krystie McMahon extended all the help and provided all the information I needed to know which helped a lot in making my application for the loan a breeze and easy. Business Details Location of This Business 118 Morlake Dr STE 202, Mooresville, NC. 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. Hi,If you have funded a loan through HFS please know that all loan terms are always fully disclosed prior to approval and funding. Why let the lender fund the contractor directly and have no control? The builder is paid in stages, according to the progress of the project. Taking on debt for a new pool doesnt have to be your only option. Because their home improvement loan funds upfront, your customers can quickly and easily access the funds they need and you get paid quickly on your terms. Ask the Pool Guy All rights reserved. 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. If you need decades to pay back the loan, you might consider refinancing your mortgage or taking out a second mortgage. 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. Thanks team! To download promotional materials or a widget for your website, visit our Contractor Resource Center. The benefit is that you get a one-stop-shop experience instead of having to reach out to lenders individually. 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. Very happy with them. 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. Figure out how much disposable income you have to work with by comparing your monthly earnings to how much you typically spend each month. We will arbitrate between you and the contractor, should any conflicts or misunderstandings arise. When you provide contractor financing options, customers can be confident that their financing process is easy and straightforward. (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. Plus, they will enjoy competitive interest rates and fixed payments that fit within their budget. Does NOT affect your credit, By providing financing to potential customers, you can easily help them make their home improvement dreams a reality. Give us a call or visit us to get started today. Ideally, youll want to have a credit score of 700 or higher to get the best interest rates for pool financing. HFS Financial Home Improvement Lending Made Simple, offering 100% No Monday Down Financing from $10,000-$100,000, equity not required. 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!) The process was painless and fast. After the conditional approval, income verification documents need to be submitted. For one, Lyon Financial offers a wider range of loan products than HFS Financial. Krystie proactively sent us updates on process and projected timelines and never left us wondering exactly where we were at any given point. How about you? With HFS Financial, you dont need to worry about hiring additional accounting staff to handle loan paperwork or collect on loans. You might also consider using a credit card as your method of financing. Here's a summary of how we make pools and spas and pergolas happen! No. It goes against our guidelines to offer incentives for reviews. Its been a real asset to have your link on our webpage. Hours of outdoor fun and watching your children play. Once the loan documents are signed and returned to Lyon Financial, the builder is given a clear to start and construction can officially begin. You wont spend a dime on your partnership, and youll have the leading advisors and support staff in the home improvement lending industry on your side whenever you need us. How Do I Talk to My Clients About Home Improvement Financing? 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. 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. And if you dont have tens of thousands of dollars upfront to spend on a pool construction project, theres always pool financing. 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. Lyon Financial is located at 118 Morlake Drive Suite 202, Mooresville, NC 28117. Subject to change. You can easily incorporate contractor financing into your sales process without any hassle or additional work on your end. Some other things that make us stand out: This is probably our most frequently asked question. Couldnt recommend the two of them any more! That guy, Ari, just really knows a thing or two about a thing or two. Ive personally worked with dozens of different lenders, Ari has hands down been the best to work with!, We absolutely love partnering with HFS. Available on approved credit, not all will qualify. Texas Blue Lake Pools works with HFS Financial and Lyon Financial to offer you pool financing options to finance your backyard dream. Financial Independence, Retire Early: What Is the FIRE Movement? 6.99% (good credit) and 4% lender processing cost rolled into loan. The direct funding to my customers allows us to work more closely with them and takes out the middle man you have with other finance companies. 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. The HFS team Adam and Andrea are awesome! Lyons Financial is a highly respected financial institution, and as such, they have high standards for who they approve for loans. The information you provide to Lyon Financial is not an application for a loan from Lyon Financial. Did mine through HFS Financial..unsecure loan at around 7% APR took a total of like 3 weeks. 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? I have used HFS twice for home improvement loans and so far they have met my expectations. Because of their high interest rates, credit cards are usually not recommended as options for financing a new swimming pool. A credit score of 600 or higher is generally required to use a personal loan to cover pool fees. For Contractors. Some pool companies may directly provide you with pool financing offers, so you dont have to search for financing on your own. Your APR and monthly payment may differ based on loan purpose, amount, term, and your credit profile. Conditions and limitations apply. From application to funding the process was very easy with no unnecessary time wasting in between. By offering financing through HFS, you speed up the process and put the power in your customers hands to find out their loan terms quickly. At 118 Morlake Dr Suite 202, Lyon Financial Reviews has offices in Mooresville, NC. Terms, amounts, and APR may differ based on loan purpose and credit profile. 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. 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. Its simple to find the best financial services in your area. Unlike most home improvement loans, you the consumer get all the money funded directly to you, upfront. Funding Your Around The World Travel Experience. HFS will check your credit report and income when you apply for a loan. To set up your HFS widget, you first need to download it directly from our website. 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. 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. With HFS Financial, you spend more time thinking about how to improve your home and less time worrying about am I getting a good rate?how is the financing coming along? With HFS, you can rest assured you will be provided with industry leading loan terms and the best customer service experience possible. This is very helpful and I will reach out to the few places recommended by everyone. Unlike some of our competitors we dont shotgun customers credit. When you send your customers to HFS Financial for financing, you can be sure theyre in safe hands. We will be happy to help you. We are clear and upfront about every aspect of your loan. This quick and convenient button will take customers to your personalized HFS Financial page. 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. 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. Here are some of the other reasons homeowners like working with HFS. Adam Sidle and Krystie McMahon were an awesome team and great from start to finish. We are going to use Randolph Brooks Federal Credit Union. Customers who get frustrated with other lending processes are often customers who throw in the towel on the project. You dont have to worry about whether or not a customer will be eligible or if the bank will approve their loan. It is a type of loan that is approved for people who are ready to buy a home and have a good credit score. They provide great customer service to our clients, they close the loans quickly, and the level of communication with us is outstanding. But just how do you go about doing that? Advertised rates and terms are subject to change without notice. Unlike other types of loans, the payback period on this type of loan typically lasts two to ten years, and monthly payments are lower. After you figure out what options are available within your budget, its time to decide on what type of financing you prefer. Lyon Financial has specialized in swimming pool financing since 1979, making them leaders in their field. That said, it is not impossible to get approved for a loan from Lyons Financial, but it may be more difficult than going through a less reputable lender. There are a few key differences between Lyon Financial and HFS Financial. "We love working with HFS. It all depends on your individual circumstances and preferences. Getting a home improvement loan or swimming pool financing doesnt have to be a complicated, time-consuming process. 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. In less time than any other home improvement loan process, well have you connected with the project financing you need. I will recommend HFS Financial and Adam and Jamie team anytime. We couldn't be happier. HFS Financial HFS has one-of-a-kind loan programs and world-class service as shown by 1,500 + 5-star Reviews. Subject to change. 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. ", Thanks to you and the HFS team for your quick turnaround in letting us and our future clients know if they qualify. We love the difference we can make for your family by providing something that puts years of memories within reach. Local Contact, Brighton, MI: Terry Tipton 810-494-4888, terry_e_tipton@keybank.com. It is being practiced by thousands of pool owners just like you. 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. Thanks guys! Not sure how much you need? They offer incentives ranging from 20-year loan terms to electronic documents and rapid approval. 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. Companies can ask for reviews via automatic invitations. So we run our credit check first and work to pair you with the best lender for your situation. Only after checking their rates and starting the discussion with HFS Financial will they apply for the right loan for their needs. Will I have any hidden costs associated with my loan? Terms, amounts, and APR may differ based on loan purpose and credit profile.
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