Profit and loss statements from your business, if you own one, Copies of contracts indicating that your workflow is ongoing, A letter from an accountant verifying how long you've been in business. The builder is paid in stages, according to the progress of the project. But if youve been waiting longer than expected, take it upon yourself to reach out and find out what might be causing the delay. There is only two reason HFS is not getting 5 Stars. Non-Bank Financial Service HFS Financial HFS Financial Reviews 1,105 Excellent 4.8 VERIFIED COMPANY hfsfinancial.net Visit this website Write a review Reviews 4.8 1,105 total 5-star 93% 4-star 3% 3-star < 1% 2-star < 1% 1-star 2% Filter Sort: Most relevant KA Kay 2 reviews US Apr 29, 2022 This ensures that funds are not disbursed in advance of work being completed. So nice to work with. How the Lyon Financial Pool Loan Process Works, A Look at Rates & Terms for Signature Loans, Our Pool Loan Process & Frequently Asked Questions, How to Elevate Your Pool with Water Features, How to Keep Some Summer in Your Winter: Hot Tubs, Announcing 20-Year Terms on Signature Pool Loans, Pool Trends: Five New Pool Construction Materials, How to Find the Pool Shape That Suits You & Your Back Yard, The Top 6 Dos & Donts of Pool Maintenance, What to Ask Yourself Before You Build a Pool, Considers the big picture but accounts for all the small, supporting details, Clearly outlines every phase and every step within those phases, Makes room for adjustments based on client feedback, Is adhered to consistently by all employees, Includes a strong structure to communicate the progress of the process. Being responsive and providing documentation in a timely manner will help limit underwriting delays. Sometimes, just a letter of explanation or two is all thats needed to issue final approval. Lyon Financial acts as an Account Manager and is not a lender or a broker. We understand that an effective process is one that: Through every business technological advance over the years to each swimming pool innovation, we have stood firm on the principle of helping people get what they want. var elementorFrontendConfig = {"environmentMode":{"edit":false,"wpPreview":false,"isScriptDebug":false},"i18n":{"shareOnFacebook":"Share on Facebook","shareOnTwitter":"Share on Twitter","pinIt":"Pin it","download":"Download","downloadImage":"Download image","fullscreen":"Fullscreen","zoom":"Zoom","share":"Share","playVideo":"Play Video","previous":"Previous","next":"Next","close":"Close"},"is_rtl":false,"breakpoints":{"xs":0,"sm":480,"md":768,"lg":1025,"xl":1440,"xxl":1600},"responsive":{"breakpoints":{"mobile":{"label":"Mobile","value":767,"default_value":767,"direction":"max","is_enabled":true},"mobile_extra":{"label":"Mobile Extra","value":880,"default_value":880,"direction":"max","is_enabled":false},"tablet":{"label":"Tablet","value":1024,"default_value":1024,"direction":"max","is_enabled":true},"tablet_extra":{"label":"Tablet Extra","value":1200,"default_value":1200,"direction":"max","is_enabled":false},"laptop":{"label":"Laptop","value":1366,"default_value":1366,"direction":"max","is_enabled":false},"widescreen":{"label":"Widescreen","value":2400,"default_value":2400,"direction":"min","is_enabled":false}}},"version":"3.11.3","is_static":false,"experimentalFeatures":{"container":true,"theme_builder_v2":true,"landing-pages":true,"kit-elements-defaults":true,"page-transitions":true,"notes":true,"loop":true,"form-submissions":true,"e_scroll_snap":true},"urls":{"assets":"https:\/\/www.hfsfinancial.net\/wp-content\/plugins\/elementor\/assets\/"},"swiperClass":"swiper-container","settings":{"page":[],"editorPreferences":[]},"kit":{"active_breakpoints":["viewport_mobile","viewport_tablet"],"lightbox_enable_counter":"yes","lightbox_enable_fullscreen":"yes","lightbox_enable_zoom":"yes","lightbox_enable_share":"yes","lightbox_title_src":"title","lightbox_description_src":"description"},"post":{"id":74,"title":"About%20HFS%20Financial%20-%20HFS%20Financial","excerpt":"","featuredImage":"https:\/\/www.hfsfinancial.net\/wp-content\/uploads\/2020\/07\/dreamstime_m_143401435-1-1024x683.jpg"}}; https://www.hfsfinancial.net/wp-content/plugins/elementor/assets/js/frontend.min.js, https://www.hfsfinancial.net/wp-content/plugins/ele-custom-skin-pro/assets/js/ecspro.js, https://www.hfsfinancial.net/wp-content/plugins/elementor-pro/assets/js/webpack-pro.runtime.min.js, https://www.hfsfinancial.net/wp-includes/js/dist/vendor/regenerator-runtime.min.js, https://www.hfsfinancial.net/wp-includes/js/dist/vendor/wp-polyfill.min.js, https://www.hfsfinancial.net/wp-includes/js/dist/hooks.min.js, https://www.hfsfinancial.net/wp-includes/js/dist/i18n.min.js. HFS Financial provides loan services for virtually any home improvement project you have, nationwide. Under normal circumstances, initial underwriting approval happens within 72 hours of submitting your full loan file. 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. We apologize if any language, written or verbal was unclear. A conditional approval means the bank is likely to approve your mortgage but only on specific terms as long as pending conditions are met. Finding a low rate and a fair payment can be tough, even with great credit. But it also pays to get conditional loan approval. Terms up to 20 years The loan we received was for our landscaping. Replies to negative reviews in < 24 hours. Definitely recommending in the future. The technical storage or access that is used exclusively for anonymous statistical purposes. All loan programs found at www.hfsfinancial.net have no fees or penalties for prepayment. Mortgage lenders have different turn times the time it takes from your loan being submitted for underwriting review to the final decision. When a company has such a focused vision, it is easy to cut through the clutter to get the job done. hio6 For example, the underwriter may require a letter of explanation for derogatory information on your credit report. Step 1. JP Wigfall and Doni Grossman were always responding to my text and emails.The process take a litter longer than expected. Working with HFS, Blake Baron, and Andra Barchiesi was a fast, efficient, and easy process. Underwriters are the final decision-makers as to whether or not your loan is approved. Adam and Jamie made my loan process seamless. var JetBlogSettings = {"ajaxurl":"https:\/\/www.hfsfinancial.net\/about-hfs-financial\/?nocache=1679107921&jet_blog_ajax=1"}; https://www.hfsfinancial.net/wp-content/plugins/jet-blog/assets/js/jet-blog.min.js. Thousands of 5-Star Reviews. Currently, most lenders are taking longer to process refinance applications than home purchase loans. Under normal circumstances, initial underwriting approval happens within 72 hours of submitting your full loan file. However, you may need to help satisfy at least one or more conditions before that can happen. If you have any questions or would like more information, call 1-800-254-9560 or inquire at www.hfsfin.com. Unfortunately, many other companies take a customers information and scattershot the request to all their lenders. The infamous small print where all the scary stuff tends to be hidden; thats not how we roll. She was incredibly responsive and also went above to get us our loan funds much faster than originally anticipated. You'll be issued a letter of conditional approval once that review is complete. He was very helpful and patient and worked endlessly to ensure that my loan was quickly processed and approved, despite computer difficulties. I would highly recommend HFS - great company, great reputation and great people. var gtm4wp_datalayer_name = "dataLayer"; In extreme scenarios, this process could take as long as a month. Now, I can get my home improvement project underway. Our experts recommend mortgage pre-approval before you begin looking at houses or deciding on a real estate agent. The entire process was almost too easy and fast. HFS along with the team I worked with team Adam Sidle and Andrea Barchiesi were absolutely amazing. Funding was approved in just 4 business days. Alan reached out immediately after filling out the pre-approval form and explain the whole process. The loan process took about 3 weeks without any snags. Highly recommend. Anyone can write a Trustpilot review. Application for Health Coverage and Help Paying Costs HFS 2378ABE (pdf), Application for Health Coverage and Help Paying Costs HFS 2378ABES (Spanish) (pdf), Mail-in Application for Medical BenefitsHFS 2378H (pdf), Mail-in Application for MedicalBenefitsHFS 2378HS (Spanish) (pdf), Approved Representative Consent Form IL 444-2998 (pdf), Approved Representative Consent Form IL 444-2998S (Spanish) (pdf), Personal Representative Designation HFS 3806F (pdf), Additional Financial Information for Long Term Care Applicants HFS 3654(pdf), Additional Financial Information for Long Term Care Applicants HFS 3654S(pdf), Application for Hardship Waiver of a Penalty Period HFS 2378WA (pdf), Application for Hardship Waiver of a Penalty PeriodHF S2378WAS (Spanish) (pdf), Statement of Hardship - Request for Waiver of Penalty Period HFS 2379WAS (Spanish) (pdf), Client/applicant Discrimination Claim HFS 185 (pdf), Abortion Payment Application HFS 2390 (pdf), Abortion Payment Application HFS 2390S (Spanish) (pdf), Additional Financial Information for Long Term Care Applicants HFS 3654S (Spanish)(pdf), ACH Direct debit Form for Hospital Assesments and GEMT HFS 3848G (pdf), Acknowledgement of Receipt of Hysterectomy Information HFS 1977 (pdf), Acknowledgement of Receipt of Hysterectomy Information HFS 1977S (Spanish)(pdf), Adaptive Behavior Support ServicePrior Authorization Form (pdf), Adjustment Form (Hospital) HFS 2249 (pdf), Advance Practice Nurse (APN) Certification and Collaborative Agreement Form HFS 3411C (pdf), Agreement for Participation in the Illinois Medical Assistance Program HFS 1413 (pdf), Agreement for Participation in the Illinois Medical Assistance ProgramHFS 1413S (Spanish) (pdf), Air Fluidized Bed Questionnaire HFS 2305A (pdf), Appendix E-3b Binaural Hearing Aid Questionnaire HFS 3701I (pdf), Application for Benefits Eligibility (ABE) (pdf), Application for Payment of Medicare Premiums, Deductibles and Coinsurance HFS 2378M (pdf), Application for Payment of Medicare Premiums, Deductibles and Coinsurance Spanish HFS 2378MS (pdf), Augmentative Communication Systems Assessment Review Checklist HFS 3640 (pdf), Augmentative Communication Systems Client Assessment Report HFS 3641 (pdf), Certificate of Medical Necessity for Continuation of External Insulin Infusion Pump Rental HFS 2305D (pdf), Certificate of Medical Necessity for External Insulin Infusion PumpHFS 2305F (pdf), Certification and Attestation for Primary Care Rate Increase HFS 2352 (pdf), Citizenship Documents and Your Medical Benefits HFS 3859D (pdf), Citizenship Documents and Your Medical Benefits HFS 3859DS(Spanish) (pdf), Compliance Report for Skilled Nursing HFS 2022 (pdf), Compression/Burn Garments Questionnaire HFS 2305K (pdf), C-PAP/BiPAP Renewal Questionnaire HFS 3701F (pdf), Gender-Affirming ServicesPrior Authorization Form(pdf), Health Agency Invoice Example Only HFS 2212(OCR)(pdf), Health Benefits for Workers with Disabilities (HBWD) Application HFS 2378MB (html)(pdf), Health Benefits for Workers with Disabilities (HBWD) Application HFS 2378MBS (pdf), Health Insurance Claim Form Example Only HFS 2360 (OCR) (pdf), Hospital Bed Questionnaire HFS 3905 (pdf), Hospital, Professional School or Group Practice as Alternate PayeeHFS 2307 (pdf), How to Get a Medical Card and a Primary Care Provider (PCP) for Your Baby HFS 4691 (pdf), Illinois Department on Aging (IDoA) Notification HFS 2538B (pdf), Illinois Department on Aging (IDoA) Notification HFS 2538BS (Spanish)(pdf), Illinois Early Intervention Program Referral Fax Back Form HFS 652 (pdf), Interagency Certification of Screening Results HFS 2536 (pdf), Involuntary Discharge Notice of Appeal and Request for Hearing HFS 3732 (pdf), Laboratory / Portable X-Ray Invoice Example Only HFS 2211 (OCR) (pdf), Long Term Care (SNF/ICF) Provider Monthly Assessment Report HFS 1446 (pdf), Long Term Care Bed Reserve/Temporary Absence Form HFS 2234 (pdf), Long Term Care Facility Notification HFS 1156 (pdf), Long Term Care Facility Third Party Liability (TPL) Payment Transmittal HFS 3461 (pdf), Long Term Care Provider Agreement Nursing Facilities and ICF/IID (Provider Types 33 and 29) HFS 1432 (pdf), Long Term Care Provider Agreement Supportive Living Facility (Provider Type 28) HFS 1432B (pdf), Long Term Care Provider Agreement State-Operated Facility (Provider Type 34) HFS 1433 (pdf), MCH Primary Care Provider Agreement HFS 3411A (pdf), Medicaid Payment of Medicare Cost Sharing Expenses HFS 3120(pdf), Medicaid Payment of Medicare Cost Sharing Expenses HFS 3120S (Spanish) (pdf), Medical Equipment /Supplies InvoiceExample Only HFS 2210 (OCR) (pdf), Medicar/Service Car/Taxicab Uniform Trip Ticket HFS 3825 (pdf), Medicare Crossover Invoice Example Only HFS 3797 (OCR)(pdf), Medicare Savings for Qualified BeneficiariesBrochureHFS 3757 (pdf), Medicare Savings for Qualified Beneficiaries Brochure HFS 3757(Spanish) (pdf), Motorized Wheelchair Evaluation Form HFS 3867 (pdf), NIPS AdjustmentForm (NIPS) HFS 2292 (pdf), Non-emergency Transportation Fingerprint Form HFS 3819 (pdf), Notice of DHS Community Based Services HFS 2653 (pdf), Notification to HFS of Illinois Medicaid Hospice Benefit Election HFS 1592 (pdf), Nursing Assistant Training and Competency Evaluation Reimbursement Request HFS 2310 (pdf), Nursing Facility Traumatic Brain Injury (TBI) Notification HFS 1435 (pdf), Nursing Facility Ventilator Notification HFS 106 (pdf), Optical Prescription Order HFS 2803 (OCR) (OCR), UB-04 Override Request Form HFS 1624A (pdf), Payment Review Request Form (LTC) HFS 3725 (pdf), Payment to Corporate Owner/Assurances HFS 2314 (pdf), Pharmacy Prior Authorization Request HFS 1409X (pdf), Power Mobility Devices and Custom Wheelchair Request Instructions forHFS 3701K (pdf), Preconception Screening Checklist HFS 27(pdf), Primary Care Provider Authorization (Non-Emergency Services Only) HFS 1662 (pdf), Prior Approval Request Instructions for HFS 1409 HFS 1409i (pdf), Progress Reportfor Negative PressureWound TherapyHFS 3785A (pdf), Provider Enrollment Application in the Medical Assistance ProgramHFS 2243 (pdf), Provider Enrollment Application Instructions for HFS 2243 (pdf), Provider Forms Request (Springfield) HFS 1517 (pdf)orOnline Form Request, Provider Invoice Example Only HFS 1443 (OCR)(pdf), Questionnaire andOrder for Cranial Remolding Orthosis or Cranial Cervical Orthosis Congenital Torticollis Type HFS 2305E (pdf), Questionnaire and Order for Neuromuscular Electrical Stimulator (NMES) HFS 2305I (pdf), Questionnaire for Airway Clearance Device HFS 2305B (pdf), Questionnaire for Continued Rental of Airway Clearance Device HFS 2305C (pdf), Questionnaire for Enteral Nutrition HFS 3701N (pdf), Questionnaire for Food Thickeners HFS 3701M (pdf), Questionnaire for Home Apnea Monitor HFS 2305G (pdf), Questionnaire for Home Phototherapy HFS 2305H (pdf), Questionnaire for Negative Pressure Wound TherapyHFS 3785 (pdf), Questionnaire for Orthosis HFS 2305N (pdf), Questionnaire for Prosthesis HFS 2305J (pdf), Questionnaire for TENS Unit HFS 3701E (pdf), Refill Too Soon Prior Approval Worksheet HFS 3082A (pdf), Report on Resident of Private Long Term Care Faciltiy HFS 26 (pdf), 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), Screening Verification Form HFS 3864 (pdf), Screening, Assessment and Evaluation Tool Approval Request Form HFS 724 (pdf), Seating/Mobility Evaluation (pdf) HFS 3701H, Seating/Mobility Evaluation Instruction for HFS 3701H (pdf), Supportive Living Program Notice of Involuntary Discharge HFS 3731 (pdf), Special Decubitus Mattress Questionnaire HFS 3701G (pdf), Standard Manual Wheelchair Questionnaire HFS 3701L (pdf), Standardized Illinois Early Intervention Referral Form HFS 650 (pdf), Statement of Good Faith Effort HFS 3859B (pdf), Statement of Good Faith Effort HFS 3859BS (Spanish) (pdf), Statement of Hardship - Request for Waiver of Penalty Period HFS 2379WA (pdf), Statement of Hardship - Request for Waiver of Penalty Period (Spanish) (pdf) HFS 2379 WAS, Statement of Identity HFS 3859S (Spanish) (pdf), Sterilization Consent Form HFS 2189 (pdf), Sterilization Consent Form HFS 2189S (Spanish) (pdf), Therapy Prior Approval Request Form HFS 3701T (pdf), Therapy Prior Approval Request Form Instructions for HFS 3701TI (pdf), Transportation Invoice Example Only HFS 2209 (OCR) (pdf), UB-04 Example Only - Not Supplied by HFS CMS 1450 (pdf) (OCR), UB-04 Override Request Form HFS 1624A(pdf), Using Department on Aging (DoA) Community Care Program (CCP) Services to Meet Spenddown HFS 2538C (pdf), Using Department on Aging (DoA) Community Care Program (CCP) Services to Meet Spenddown HFS 2538CS (Spanish) (pdf), Waiver Program Provider Agreement for Participation in The Illinois Medical Assistance Program HFS 1413A (pdf), Waiver Program Provider Agreement for Participation in The Illinois Medical Assistance Program HFS 1413AS (Spanish) (pdf), Waiver Program Provider Agreement for Participation in The Illinois Medical Assistance Program HFS 1413B(pdf), Waiver Program Provider Agreement for Participation in The Illinois Medical Assistance Program HFS 1413BS (Spanish) (pdf), Wound Measurement Assessment Form HFS 2305 (pdf), JB Pritzker, Governor Theresa Eagleson, Director. And it may be a requirement in some situations, like new construction. Exact interest rate determined by credit profile. Low and behold I was approved and received the exact amount as he stated. So be thorough when signing and reviewing your paperwork. . We'll have our own backyard oasis with the pool of our dreams!! Make sure you ask for Matt Gill to setup your loan! Loans for non-pool/standalone home improvement projects may incur different rates and terms based on loan purpose. %PDF-1.7 % 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. For instance, should you be checking your email? FUND YOUR LOAN! When I called HFS, I spoke with David and helped me to apply for home improvement loan. Litter longer than expected decision-makers as to whether or not your loan being submitted for underwriting review the. 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