HFS Financial was founded by experts in the financial field who wanted to provide homeowners with the most efficient way to fund their home improvement wants and needs. HFS assists thousands of customers every month in funding their home improvement dreams. Loans 100% Up-Front We have not reviewed all available products or offers. Upon final approval, a copy of the signed contract between the builder and customer is provided. Copyright, Trademark and Patent Information. Thank you Adam! Unlike some of our competitors we dont shotgun customers credit. For example, conditional approval for a home loan might hinge on that home appraising for a certain amount of money. Thanks again, I am so excited to get started. Anyone can write a Trustpilot review. Ideally, your lender will reach out right away if there are any issues in the underwriting process. They were very clear from the beginning as they mention the 3% fee included on total. Pre-approval vs. conditional approval: Whats the difference? We are HFS Financial, located at 100 Owings Court, Baltimore, MD 21136. Lyon Financial does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points, and loan programs offered by affiliates. Advertised rates and terms are subject to change without notice. . var dataLayer = dataLayer || []; https://www.hfsfinancial.net/wp-includes/js/jquery/jquery.min.js, https://www.hfsfinancial.net/wp-includes/js/jquery/jquery-migrate.min.js, https://www.hfsfinancial.net/wp-content/plugins/gsg-hfs-features/public/js/gsg-hfs-features-public.js, https://www.hfsfinancial.net/wp-content/plugins/elementor/assets/lib/font-awesome/js/v4-shims.min.js. The staff at HFS were friendly and communications were timely and informative. A conditional approval means that certain conditions must be met before the lender can approve your mortgage. But keep in mind, closing times vary by lender. Got everything processed very quick. Payment example: Monthly payments for a $75,000 loan at 4.49% APR with a term of 20 years would result in 240 monthly payments of $474.08. ?x_]Z[uk)m;CI({d{Iyiq/#K"4th&` zG{!Da& Ive never seen such excellence and attention to detail with processing. 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. The underwriting process can take anywhere from a few days to over a week, depending on your lender and underwriter. Unfortunately, many other companies take a customers information and scattershot the request to all their lenders. It means the underwriter expects your loan will close. As an ex Vp/Senior Branch Manager in banking, I am very familiar with the process for obtaining any loan and by far HFS was one of the best experience. Go with confidence when you go with American First Finance, simply a "Better Yes.". Loan documents are then ordered and sent electronically. Thanks again! Even better, getting conditional approval for a home loan doesn't require much extra work. And both provide you with proof that you are, in fact, able to get a mortgage. First Off I would like to thank HFS especially Adam Sidle and Carrie Decker for tackling our loan need for our home improvement, without there continued assistance and guidance throughout the process this will be a mountain to climb for me and my wife. He is very helpful and customer services oriented. If I'm on Disability, Can I Still Get a Loan? Adam and JP were excellent with communication, being pragmatic in my loan approach, supportive and professional. Chat with our Customer Support Team now or call us directly at 855-721-1188. Thats how much care and attention she gives her customers. Funding was approved in just 4 business days. Replies to negative reviews in < 24 hours. Shop around with the best mortgage lenders to find the best home loan offer. His guidance through the process, and responsiveness via text, was fantastic. If your mortgage is conditionally approved, your lender will generally outline the conditions that will need to be met so there are no surprises. As experts in the home improvement financing industry, HFSs goal is to get every single customer loan inquiry approved and funded quickly. The full mortgage loan process often takes between 30 and 45 days from underwriting to closing. Tiffany explained the process and what to expect. Date of experience: March 02, 2023 Matt Becker 1 review US Mar 8, 2023 Seamless Experience Sometimes, just a letter of explanation or two is all thats needed to issue final approval. Pre-approval and conditional approval are similar in that both processes involve reviewing your finances and documentation to determine whether you're a viable mortgage candidate. 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Your approval is good for 119 days, during which time the pool must be completed. Getting the pool of our dreams!!! HFS Financial is not a lender. Terms up to 20 years She also has an editing background and appears on live podcasts to talk about financial matters. We'll have our own backyard oasis with the pool of our dreams!! For instance, if your credit score falls between your pre-approval and final underwriting, you may no longer qualify for the loan terms or mortgage rate you were initially offered. Additionally, you might need conditional loan approval to buy a new construction home (a home built from the ground up). However, no news can just as easily mean your lender is experiencing an unusually high volume of loan applications. * Important Note: For best results, use Internet Explorer v11 or aboveto open HFS Medical forms. Request for Drug Prior Approval Form HFS 3082 (pdf) Request for Extended Sass Services Form HFS 3833 (pdf) Request For Inappropriate Level Of Care Payment HFS 3127 (pdf) *Available on approved credit, not all will qualify. At Lyon Financial, we love the difference we can make for your family by providing something that puts years of memories within reach. Love the quick response. It goes against our guidelines to offer incentives for reviews. And the financing % as well.I want to thanks both of you for helping me finance my Home project. Provide the lender you choose with all of the financial information it requests. A conditional approval is available within 24 48 business hours. Josh and Trish are AMAZING! The average turn time for purchases, from underwriting to closing, is approximately 30 days. The lowest interest rates are reserved for those with excellent and substantial credit. Subject to change. The builder is paid in stages, according to the progress of the project. Andrea answered every question I had, and kept me informed and assured that the loan was approved. We believe the best family vacations are the ones spent in your own backyard. Your lender may be able to give you an estimate as to how long the process will take so you know what to expect. We look at overall credit health, including your debt-to-income (DTI) ratio. Your APR may differ based on loan purpose, amount, term and your credit profile. The loan process was so smooth. Verification can help ensure real people write reviews about real companies. That's not the case with pre-approval. We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. He was very helpful and patient and worked endlessly to ensure that my loan was quickly processed and approved, despite computer difficulties. Very easy to work with, polite and knowledgeable. There were discrepancies in what was initially provided to HFS by you. Most loans fund within 48 hours Calculate Your Next Loan: Loan Amount* If you use Chrome or other browsers, you may experience technical difficulties with certain fillable PDF's, depending on your browser settings. Alan reached out immediately after filling out the pre-approval form and explain the whole process. We love the difference we can make for your family by providing something that puts years of memories within reach. Congratulations on funding your home improvement loan through the HFS platform. Searching for the right home improvement loan takes valuable time, and theres always plenty of questions about interest, payback schedules, and loan disbursement (i.e. Time to get this pool installed. So BWP proceeds with the purchase and building of our new pool. They communicated all the necessary details to aid me in completing my financial needs even providing great tips for future plans . Stay away..Trust! I will be sending all my friends and family to them for their future upgrades. Thank you! The process was quick, simple and highly efficient. The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network. Each pulls their own credit report on the customer, resulting in many unnecessary hits. All electronic. OMG. With over 20 years in mortgage banking, Craig Berry has helped thousands achieve their homeownership goals. We are the hassle-free lender who will get you a loan and leave you alone with the industry leading HFS Financial rates! Or, it might depend on a mortgage lender verifying an applicant's employment status prior to that home loan actually closing. Or is there an online portal or app you can check to follow your loans progress? She told me what I needed to get funded and before I knew it I was funded within 48 hours. Sincerely, Jennifer Bowdoin Health Benefits for Workers with Disabilities (HBWD) Application HFS 2378MB (html), Illinois Voter Registration Application SBE R-19 (pdf), Illinois Voter Registration Application SBE R-19 (Spanish) (pdf), Provider Forms Request (Springfield) HFS 1517 (pdf), Child Support Services Brochure Alphabetical Listing, Child Support Services Brochure Numerical Listing, Medical Program Brochures Alphabetical Listing, Medical Program Brochures Numerical Listing, Request for Cash Assistance - Medical Assistance - Supplemental Nutrition Assistance Program (SNAP)IL 444-2378B (pdf), Request for Cash Assistance - Medical Assistance - Supplemental Nutrition Assistance Program (SNAP) IL 444-2378BS(Spanish) (pdf), Integrated Eligibility System (IES) Access Request HFS 1706G (pdf). Went to HFS and Adam Sidle, he was great. Adam Sidle and the HFS team did a fantastic job of answering any and all questions promptly and getting us exactly what we needed. 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. The technical storage or access that is used exclusively for anonymous statistical purposes. What is holding you back from taking the leap? I ended up purchasing a pool without HFS financing..BEWARE!! HFS was recommended to us by our pool company, and Im very glad they did. The process is simple: a customer needs to choose a loan purpose, indicate their annual income after taxation, and have some personal information and HFS Financial will send you a call, message, or email with the available loan programs, terms, loan amounts, and lenders. The entire process was almost too easy and fast. When a company has such a focused vision, it is easy to cut through the clutter to get the job done. 174 0 obj <> endobj Make sure you ask for Matt Gill to setup your loan! 3. Conditional loan approval does not guarantee a mortgage will actually be approved. The loan process was painless and the staff were very helpful and responsive when ever I had questions. Loan Estimates: Everything You Need to Know, Mortgage Types: Conventional, FHA, USDA, VA, Jumbo & More. Mr. S**** we appreciate the amazing comments, and we will make sure our team members know that you were completely satisfied and happy with our service. The loan process was super smooth, and from start to finish went without a hitch. They did an amazing job they were quick and friendly! However, its unlikely to take so long unless you have an exceptionally complicated loan file. 0 As such, your loan was sadly declined. Once weve received your information through our60-Second Loan Application, you will be notified of possible loan options within 24 business hours. Maurie Backman is a personal finance writer who covers topics ranging from Social Security to credit cards to mortgages to REITs. As the industry leader in providing swimming pool & home improvement financing options since 1979, we offer personalized, hassle-free financial solutions tailor-made to your individual needs and qualifications. What a great service. Securing pre-approval is the first step toward purchasing or leasing a new Honda . We use dedicated people and clever technology to safeguard our platform. They work fast and explains everything to you. wp.apiFetch.nonceMiddleware = wp.apiFetch.createNonceMiddleware( "84f352521e" ); Thank you! Subject to change. No red tape, no hassle, no jumping from department to department in search of answers. Adam Sidle and Luisa Forte and the team at HFS Financial made our financing easy and seamless! And it may be a requirement in some situations, like new construction. As a company in business since 1979, we have honed the Lyon Financial loan process to perfection. We will arbitrate between you and the contractor, should any conflicts or misunderstandings arise. Loan Example: A loan for $60,000 with a fixed rate of 6.99% and an APR of 7.37% for a term of 20 years would result in 240 payments of $478.76, assuming the applicant(s) do not pay off the loan early. Please HFS, be upfront that the loan is not with you, and have someone communicate where documents will be coming from to avoid confusion. A home improvement loan allows you to achieve your dreams. If you get conditional approval for a home loan, you show sellers you're a strong candidate. There were discrepancies in what was initially provided to HFS by you. We also look for any recent negative marks, such as bankruptcies or tax liens.