Real Review!!! HFS very quick to connect with you, after the loan processor connected with me required info paystubs, dl, etc. NO ISSUES. there is a 24-72 hour wait before you hear anything. in 11 day... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
There were some communication gaps, mostly the timeliness of responses, but none of that matters when you have a team working hard to secure the funds you need to complete a project. When the outcome... See more
Kathy was incredible and very responsive. HFS helped us where others couldn’t. I would highly recommend them for their efficiency and efforts.
Company replied
Hfs was certainly easy to work with. There were a couple times I wanted a little more communication but actually the process was moving forward at lightning speed. Thank you for helping me out. Can't... See more
Company details
- Non-Bank Financial Service
- Business to Business Service
- Financial Consultant
- Loan Agency
- Marketing Agency
Written by the company
With HFS, you can rest assured you will be provided with industry-leading loan terms and the best customer service experience possible. Loans powered by HFS Financial are personal loans, which means no equity = no problem. The loan options are based on your income and creditworthiness. Unlike most home improvement loans, you as the consumer get the money funded directly to you upfront. HFS Financial loan programs do not fund to the contractor, which empowers YOU, the consumer, and makes life easier for the contractor when it comes to getting paid. HFS Financial prides itself on being one of the only options that ensures the full funds are disbursed directly to the consumer so that YOU control the money and not the contractor. Why let the lender fund the contractor directly and you have no say? That’s crazy! It’s your money and we believe you should be in control. Whatever your home improvement project is, inside or out, HFS Financial offers consumers access to the best personal loan options available based on our suite of custom-developed loan programs with industry-leading loan terms and low fixed rates. Once approved, loans can typically fund very quickly with little to no documentation required from the consumer. When you complete our fast and easy inquiry, the information you provide HFS Financial is securely transmitted to our in-house team of highly specialized financial loan consultants. In less time than any other home improvement loan process, we’ll have you connected with the project financing you need. We are your one-stop shop for any kind of home improvement loan: swimming pools, metal roofs, hardwood flooring, kitchen and bath remodels, basement finishing, outdoor kitchens, and so much more.
The Best Home Improvement Loan Experience
Written by the company
- HFS Helps Homeowners Realize Their Dreams
- At HFS, we are committed to helping homeowners seeking financing for virtually any home improvement through innovative financing options that coupled with our incredibly team and technology deliver a best-in-class lending experience.
Contact info
100 Owings Court #13, 21136, Reisterstown, United States
- (800) 254-9560
- info@hfsfin.com
- hfsfinancial.net
HFS - Easy Home Improvement Financing
4.6
Excellent
2K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 89% of negative reviews
Typically replies within 1 week
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Real Review!!
Real Review!!! HFS very quick to connect with you, after the loan processor connected with me required info paystubs, dl, etc. NO ISSUES. there is a 24-72 hour wait before you hear anything. in 11 days, my application was completed and funded money in bank of $50,000 and my work is contracted out and on the move. Highly recommend
2 July 2026
Reply from HFS Financial
We're thrilled to hear that you had such a positive experience. Providing exceptional service and support is our top priority, and it's rewarding to know we made a positive impact.
The experience with HFS was effortless…
The experience with HFS was effortless & fantastic! Their team was there to answer any questions we had in a very timely manner. I highly recommend!
2 July 2026
Smooth, Easy, Friendly, Accommodating, A+
Ease of use, signing up and getting in touch with reps. It was a smooth and easy process!
1 July 2026
Everyone was absolutely awesome
Everyone was absolutely awesome . Very considerate of us and explained the process well. All in a great timely manner
8 July 2026
I would recommend
Great experience. Love the ability to play with the numbers to determine the payment terms (5,10,15years, etc.) to get to a monthly payment you are comfortable with. I also like the upfront transparency of the interest rate you qualified for. I would have rated HFS five stars if the loan process took less waiting time to process and the time it was in underwriting.
7 July 2026
Reply from HFS Financial
We're thrilled to hear that you had a great experience and found value in the ability to explore different loan terms and payment options to find a monthly payment that fit your budget. Transparency is important to us, so we're especially glad you appreciated seeing your qualified rate upfront.
We also appreciate your honest feedback regarding the processing and underwriting timeline. We understand that waiting for a final decision can be challenging, and we're always looking for ways to streamline our process while still ensuring a thorough review for every application.
Thank you for choosing HFS and for sharing your experience. Your feedback helps us continue to improve, and we wish you all the best with your project and your new funding!
Poor Communication
Hello,
We have called our loan processor, Jasmine, several times and have not received a single callback. We are now into a two-week process, and our loan has been with underwriting for the past three days. Can someone please let us know how long underwriting typically takes and provide us with a status update?
The lack of communication has been extremely frustrating. We have been unable to get in touch with Jasmine despite multiple attempts, and at this point, the process has become more stressful than getting a mortgage.
We are paying over $1,000 to use HFS as our broker, and we expected a much higher level of customer service and communication. If Jasmine is unavailable, we would appreciate having another point of contact or speaking with a supervisor who can provide an update and answer our questions.
Please have someone contact us as soon as possible. Thank you.
Update Ref. ID: 1391547
Spoke to Daniel today 7/8 was told we would hear back from underwriter today. Well it’s 5:40pm cst so doubt that. It’s going on 3 days in underwriting when Daniel said today typically takes 24hrs
5 July 2026
Unprompted review
Reply from HFS Financial
We sincerely apologize for the frustration you've experienced and understand how important timely communication is throughout the loan process.
Unfortunately, we are unable to identify your application based on your review, so we cannot look into the status of your loan inquiry or address your concerns directly.
Please contact us at info@hfsfin.com and include your name and loan information so we can review your file, provide an update, and ensure your concerns are addressed as quickly as possible.
We appreciate the opportunity to assist you and look forward to hearing from you.
Update: Thank you for providing your reference ID. We have reached out to you directly with an update on your loan inquiry and our contact information. We look forward to assisting you further.
Everyone so helpful made it a great experience
Everyone was so helpful and nice made it a great experience .It took just a few minutes to complete the application . Service was fast with a reply. The team was great help with customer service and communications .
7 July 2026
That was easy and quick to get the…
That was easy and quick to get the loan, no hassle and I got the money in my bank in 3 days
7 July 2026
It was amazing working with HFS and…
It was amazing working with HFS and Jasmine helped make the process super easy!
7 July 2026
Smooth and easy process throughout
Smooth and easy process throughout! Great customer service reps that were very prompt in responding.
6 July 2026
Better communication on loan…
Better communication on loan information when things are missing.
6 July 2026
Reply from HFS Financial
Thank you for taking the time to share your feedback. We appreciate you bringing this to our attention.
We're sorry to hear that our communication did not meet your expectations. We understand how important timely updates are, especially when additional information is needed during the loan process. Your comments have been shared with our team as we continue working to improve our communication and provide a better customer experience.
Congratulations on your funded loan. We appreciate the opportunity to assist you. We wish you the very best with your home improvement project.
They dont accept dual income. Which is u heard of and unethical.
They dont accept dual income. Which is unheard of and unethical.
4 July 2026
Reply from HFS Financial
HFS is a lending platform that connects homeowners with lenders nationwide. Since each lender operates independently, underwriting guidelines, documentation requirements, and loan approval criteria may vary from one lender to another.
If you have any questions regarding your loan terms, funding details, or lender-specific requirements, please contact your lender directly for additional assistance.
Congratulations again and thank you for choosing HFS!
Very easy to get the approval…
Very easy to get the approval information in and the timeframe for approval was good
People were very friendly and helpful
Thank you
Craig
3 July 2026
Everyone we worked with was outstanding…
Everyone we worked with was outstanding and professional. Blake explained rates and payments to where we understood; in addition Alexis was patient and professional all times.
2 July 2026
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