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
M

by far the worst loan experience I ever

by far the worst loan experience I ever had Don t not use this company the communication is horrible they will not answer the phone they will only text you There is no customer service and they will try to give you the highest interest rate possible I was pre approved and then was turned down with no explanation why then they offered me another loan with a 15 interest rate and my credit score was a 752 Run if you can and do your research This is not a legitimate company UPDATE TO REPLY I went through another financial company the day after you all denied my loan for no reason and was approved in two days the interest rate is 7 unlike the 15 you offered me after the fact They always answer the phone and all my questions without complications I m sorry that you feel like what you are doing is right but its not so you need to look at your practices and change some things Number 1 ANSWER YOUR PHONE
M

We submitted our loan docs a month ago

We submitted our loan docs a month ago Heard from the loan processor once to ask us who one of the contractors was 4 weeks later and still nothing No approval no request for more info No denial not a peep The contractors are scheduled to start in 4 days and we have no idea if we re going to be able to fund the work or if we need to start all over somewhere else and further delay the work We were told the process takes 2 weeks Very little communication Very disappointing and stressful
A

charges almost 800

This place charges a 800 origination fee on home improvement loans I had the loan open a month and this fee was added on top of interest It was not disclosed directly to me that they add on this fee it was slipped into the fine print I ll never come back there and I don t recommend
K

My honest opinion is this company

My honest opinion is this company deserves a 0 The loan consultant lacks integrity I was told I had an approval then everything changed I ended up purchasing a pool without HFS financing BEWARE Andy Rosenthal lacks integrity as a loan consultant and the others associated with this process are unethical and unprofessional Very unfortunate and God knows Stay away Trust
D

Horrible experience Donnie said that I

Horrible experience Donnie said that I would have my loan funded pretty fast he even put a rush on it I wasn t underwriter for four weeks I told Donnie I will be on vacation for two weeks the next day he asked for paystub s by the time I was on vacation I got back from my cruise they said I didn t respond to the documentation that they needed I was sending Donnie messages almost every day asking him what s going on with my loan all he told me they were extremely busy I was not able to send the documents because I was on a boat cruise when I got back you guys close it out But I waited six weeks for you guys to ask for documents not 48 hours
J

Lacking in Professionalism Integrity and Communication

I am not sure how this company is run We were simply just a quick number to hit quotas for them We were unable to speak with anyone they were only available via text message or email They wanted our paperwork urgently and their portal was not working so all information needed to be emailed to them I was working with loan processor Jennifer Wagoner who completely ghosted us when our loan was turned down without explanation When we finally got a hold of her she still had no explanation information and blamed it on the lender s underwriting guidelines Highly recommend you do your research and go elsewhere they don t care about getting you the best rate possible they are closers and just focus on simply that Reply to HFS Response I appreciate your response Without going back and forth with y all I suggest that you reach out to the loan processor that we worked with and discuss your policy procedures because I can assure you that we were not informed as to the reasons why we were not approved We have since obtained a loan elsewhere
M

Poor communication

Poor communication This company gave an approval directly to Blue World Pools on our behalf So BWP proceeds with the purchase and building of our new pool Then 2 weeks later we re denied left with a un-financed pool No communication no resolution poor loan officer skills Unacceptable BEWARE BORROWERS
D

The loan process was very impersonal

The loan process was very impersonal We were never able to speak with the loan processor once it was assigned to one and only allowed for communication via email We received a notice that they could not verify information but did not tell us what we were missing and never returned our calls or emails It was very unprofessional We also have an excellent credit score and more then met the minimum income necessary to qualify I would not recommend using this company if you are looking to work with a group that offers common courtesy Extremely unprofessional and lacking in customer service skills
J

They messed up and ghosted me

Spoke with the loan agent to get everything going sent them all the paperwork they needed We were looking for 200k for a pool loan guy says great we ll split between 150k and a 50k loan The portal continually shows 150k but when asked I m told don t worry it ll be copied to the second loan for the 50k So I go into underwriting still no sign of the other loan come to find out they ve sent the 50k loan to underwriting and get immediate approval No sign now of the 150k the entire account closes out and says I need to submit a new request I contact the loan agent says it ll be fixed tomorrow - that was supposedly yesterday it d be fixed NothingWhat happened to my 150k There was 0 rejection nor should there be given my income credit and now I m being ghosted through calls texts emails Nothing they re nowhere to be found Avoid at all cost
K

I have been contacted repeatedly by

I have been contacted repeatedly by this company to collect a debt that is not mine I have contacted the company who assured me that they would not call again I have lived at my home for over 30 years I have received two recent phone calls including one this morning if you read the complaint it states that I m receiving phone calls for debt that s not mine and so for your answer to ask for my telephone number and address just not address the issue of somebody trying to collect the debt from the wrong person also confused my trust pilot posting what the response was when obviously it says they re trying to contact the wrong person so what would provide my name and phone number do to them calling again

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

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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.

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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.