Hfsfinancial Reviews

HFS Financial - Swimming Pool Loans - Home Improvement Loans

hfsfinancial.net
3.83
116 reviews
Great Rating
Based on 116 user experiences

Rated 3.83 out of 5 by 116 Happy Customers

51.7%
17.2%
7.8%
5.2%
17.2%
All 5 ★ 4 ★ 3 ★ 2 ★ 1 ★ 😊 Positive 😐 Neutral 😞 Negative Reset Filter
J

Can t Give Five Stars But Would Recommend

Although Alan was great to work with and got us through the process very quickly ultimately we were not able to get all of the funds we needed through HFS so we re going to have to go through someone else to get the full amount we need to complete our backyard project I can t give a five star review because of the extra work we re going to have to do to secure another loan but I would still recommend HFS
E

Professional Courteous best rate available for us

The only reason for 4 stars is the HFS brokerage fee The staff and personnel I worked with were forthcoming and professional We did a pool loan and with our current situation we believe HFS found us the most reasonable rate and payment schedule to meet our needs I would recommend them if you don t have excellent 750 credit
A

We applied for a large loan for a

We applied for a large loan for a backyard project and the approval and funding process with Jay Hutchins and Luisa Matrangolo was quick and smooth Conditionally approved immediately and finally approved within 2 days Funded a couple of days later The origination fee is a bit high but doesn t raise the APR much in the grand scheme of the amount we borrowed The only other thing I did not like was the fact that it was multiple loans because the amount was so large I really appreciated the process and I think I am going to like the lender So far great customer service
C

Everyone did a Great job

Everyone did a Great job The loan process was easy and stress free
T

We had a great experience with Adam and

We had a great experience with Adam and his team securing the funds needed to renovate our home We would have rated them a five because the process was pretty easy and painless however the funds were not available in the timeframe stated We had to come out of pocket quite a bit to have our contractor and electrician start on time
N

Andrea was very helpful and responsive

Andrea was very helpful and responsive She answered all my emails timely and ensured I was kept up to date
A

HFS makes the application process easy

HFS makes the application process easy with a user-friendly website and document upload process They were in contact when needed making the process quick
K

Adam Sidle and Tiffany Gebbia managed

Adam Sidle and Tiffany Gebbia managed my loan process The overall loan process went exceptionally smooth and Adam was very responsive and considerate to answer my questions timely He promptly returned phone calls and provided answers My only reason for not providing a 5 star is lack of communication or articulation as to how the loan process is handled I understood my loan would be financed through HFS so when I began getting emails for documents and disclosures from another lender I was needless to say confused This left me feeling skeptical and unsure that I made the right choice It took a few phone calls with both Adam and a loan officer from the CU that financed my loan to be reassured I recommend this part of the process be explained upfront during the loan inquiry process Thank you Beattie pools for HFS recommendation Adam and Tiffany were great to work with
R

Great job Daniel Perovich and Carrie Decker

I had the privilege of working with Daniel Perovich and Carrie Decker The process was very easy and stress free I would like to thank Carrie and Daniel for the experience There is only two reason HFS is not getting 5 Stars 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 Once the documents was sent to be signed they actually came from someone other than the credit union 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 Please HFS be upfront that the loan is not with you and have someone communicate where documents will be coming from to avoid confusion In my opinion Carrie and Daniel get 5 stars HFS gets a 4
E

Overall good some changes needed

Overall I m pleased because I was able to finance my whole pool Both Kyara Padilla and Jennifer Wagoner were very pleasant to work with I know some don t like it but I did appreciate the communication via text I m on my phone iPad more than I m looking at email so I was able to quickly action some items as soon as I received the text message With that said there are some things that I think should be improved Most importantly documentation Instead of piecemeal ask for all of the typical documents up front instead of every day for five days asking for one or two pieces of paper I would be much more efficient if there was general list of documents needed If there s something out of the ordinary sure separately ask for that The process could have gone a lot faster smoother if after prequalifying you could upload everything at that point The other thing is there should be an upfront notification during the first conversation that HFS is NOT the Lender they are more of a Broker and your loan is actually with another Company I don t really have any problems with this but it should be more clear Our pool Company had HFS listed for financing I reviewed the website before applying and did not really get any indication that they were not the lender Specifically due this Our motto is You Dream It We Finance It technically speaking they aren t financing anything The motto should be You Dream It We HELP You Finance It In the end if asked I would recommend

About Hfsfinancial

HFS Financial offers the easiest home improvement financing and swimming pool loans with up-front funding. You Dream It, We Finance It.

United States

Visit Website

Own this business?

Claim your profile to respond to reviews, manage your listing, and build trust with customers.

Claim This Business

Frequently Asked Questions

HFS Financial is not a direct lender but a specialized lending connector service. It operates an online platform that facilitates loans for specific, high-value purchases. The company's core services include connecting borrowers with lenders for timeshare financing, manufactured and mobile home loans, home improvement financing, and medical financing for elective procedures.

The process begins with completing a single online application form on hfsfinancial.net. Applicants provide personal, financial, and loan-specific details. HFS Financial then matches this application with potential lenders in its network. Importantly, the initial application involves a 'soft credit pull,' which does not affect the applicant's credit score. A formal credit check typically occurs only if the applicant chooses to proceed with a specific lender's offer.

Key benefits include the convenience of submitting one application to potentially receive multiple loan offers from different lenders, saving time compared to individual applications. The service provides access to a network of lenders specialized in niche loan types like timeshares and manufactured homes. The platform also offers educational resources on relevant topics and is accessible nationwide with customer support via phone and online channels.

The initial application process with HFS Financial involves a 'soft credit inquiry' or 'soft pull.' This type of credit check is used for pre-qualification and does not impact your credit score. A 'hard' credit inquiry, which can affect your score, would only be conducted by a specific lender if you decide to move forward with their formal loan offer.

HFS Financial specializes in connecting borrowers with lenders for several specific loan types. These include financing for purchasing, refinancing, or renovating timeshare properties; loans for new and pre-owned manufactured or mobile homes; home improvement financing for renovation projects; and financing for elective medical, dental, and veterinary procedures not fully covered by insurance.

Related Companies

View All
1
Poolloan
0.00 (0) · poolloan.net

About Hfsfinancial

HFS Financial: A Comprehensive Overview

HFS Financial operates as a specialized lending connector service through its online platform at hfsfinancial.net. The company has established a clear niche in the financial marketplace by focusing primarily on facilitating loans for specific, high-value purchases. Their core mission appears to be simplifying the financing process for consumers seeking to borrow money for defined goals, acting as a bridge between borrowers and a network of potential lenders.

Core Services and Specialization

The website clearly positions HFS Financial not as a direct lender, but as a matching service. Their expertise is concentrated in several key lending verticals:

  • Timeshare Financing:This is a prominently featured service. HFS Financial connects individuals looking to purchase, refinance, or renovate timeshare properties with lenders who specialize in this unique type of secured loan.
  • Manufactured and Mobile Home Loans:The company assists with financing for both new and pre-owned manufactured homes, which often have different financing requirements than traditional site-built houses.
  • Home Improvement Financing:They offer options for funding renovation projects, including solutions for homeowners who may need to access equity or secure a loan for upgrades.
  • Medical Financing:HFS Financial provides a service to help patients arrange financing for elective medical, dental, and veterinary procedures that may not be fully covered by insurance.

The Application and Matching Process

The process as outlined on hfsfinancial.net is designed for user convenience. It begins with a single, online application form. Prospective borrowers provide details about themselves, their financial situation, and the specific loan they are seeking. HFS Financial then utilizes this information to match the application with potential lenders within its network. A significant point of emphasis is the claim of a "soft credit pull" for the initial application, which means this preliminary step does not impact the applicant's credit score. A formal credit check would typically only occur once the applicant proceeds with a specific lender's offer.

Key Features and Value Propositions

The website highlights several benefits for using their service:

  • One Application, Multiple Offers:The core value is the ability to potentially receive multiple loan offers from different lenders through a single application, saving time and effort in comparison to applying separately to numerous institutions.
  • Specialized Lender Network:Their focus on niche loan types suggests their connected lenders have experience with these specific products, which can be advantageous for approval chances and terms.
  • Educational Resources:The site provides basic information and guides on topics like timeshare ownership and understanding loan types, helping inform consumers before they apply.
  • Accessibility:The service is presented as being available nationwide, with customer support accessible via phone and online channels.

Overall Positioning

HFS Financial caters to consumers seeking structured financing for particular major expenses. Its website functions as a streamlined portal for these specialized loan needs. By aggregating lender options, the service aims to reduce the complexity and legwork typically involved in shopping for niche financing. It is important for users to understand that HFS Financial is a connector service, and final loan terms, rates, and fees are determined solely by the lending partner that extends the offer. The platform’s strength lies in its focused approach on specific financing categories that are not always easily addressed by conventional banks or generic loan comparison sites.