
What HFS Financial Offers
HFS Financial specializes in providing metal building loans and financing options specifically for residential projects, including garages, barns, workshops, and storage structures. Key features include:
- Direct-to-consumer funding: Loan proceeds are sent directly to you, giving full control over your project and contractor payments.
- No home equity required: Financing options are based on creditworthiness and income, rather than the value of your home, eliminating the need for an appraisal.
- Soft credit check: You can explore rates without affecting your credit score.
- Flexible terms: Loans range from 1 to 30 years, allowing you to choose longer terms for lower monthly payments or shorter terms to reduce total interest.
- Competitive, fixed rates: HFS Financial offers market-leading interest rates that ensure predictable monthly payments.
- Fast funding: Prequalification takes just minutes, and funds can be available within 1–2 days after approval.
- Loan amounts: Home improvement loan options typically reach up to $450,000–$500,000, although most metal building projects require significantly less.