Custom Deck Loans

A custom deck with plants and furniture.

Decks were made for relaxing and enjoying the company of your family, friends, and neighbors. For some, their deck is a true extension of their living space. It’s a place where meals are cooked and eaten, the kids can play, adults can sit back and relax, and so much more. At any given time, your deck may be used as a kitchen, dining room, living room, and even game room. 

If your deck has become an essential part of your home, it may be time for an update. If you have yet to experience all that a deck has to offer, it may be time to build one. Either way, adding a custom deck to your home provides several benefits to your living space. 

How Can A Custom Deck Benefit Your Home?

Adding or improving an existing deck can add a number of beneficial features to your home. Not only can a new deck improve the value of your property, but it can also make your home more enjoyable for you and your family.

Increase Your Home’s Value

If the market value of your home is important to you – as it is for many – adding a custom deck can increase your house value. Since decks are so popular among homeowners, they are likely to be considered by an appraiser. While a deck will not generally be considered usable square footage in an appraisal situation, its presence is enough for an increase in the resale or appraised value of your home. 

Additional Seating Area for Get-Togethers 

As your family or group of friends grows, you will likely need additional seating areas for your get-togethers. Crowding everyone inside your home can cause unneeded stress, and these special times together are supposed to be for enjoyment. By adding an outdoor area where your guests can eat meals, lounge, and converse, you are increasing the likelihood of a stress-free environment for everyone involved. 

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Your Own Outdoor Oasis

When you’re not hosting, your deck may become an outdoor oasis for you and your immediate family. After a long day, it can be nice to have an outdoor place to sit back, close your eyes or curl up with a good book, and listen to the sounds of nature. 

Decks are also a common place to keep a grill, giving you accessibility to cooking meals outside. If you have a grill master in your family, giving them the best environment possible for their craft can provide you with immediate benefits via delicious food. Eating these wonderful meals outside is only fitting when they were cooked outdoors, so make sure you have room for a table and chairs. 

What Type of Deck Is Best for Your Home?

Not all decks are created equal; each style provides its own set of features and benefits. When choosing a deck layout for your home, take into consideration what you will be using your deck for and what available space you have. 

Backyard Deck

A backyard deck is one of the most popular choices among homeowners. Your backyard generally provides more privacy than other sides of the home, and most backyards don’t face a road. In many cases, a deck is built off of an existing room such as a dining room, kitchen, or living room, and sliding glass doors or french doors are added for easy entry and view. In other cases, the deck may be detached from the home with a walkway installed for easy access. 

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Wrap-Around Deck

A wrap-around deck is a good choice for homeowners whose house has more than one private-facing side. For example, perhaps you want a backyard deck but are also interested in a deck off of your master bedroom. If these rooms aren’t on the same side of the house, a wrap-around deck may be just what you desire to satisfy both needs. 

Layered Deck

A layered deck – or multi-level deck – can work well for those with sloped yards. While this type of deck is not required for a sloped yard, it can add a fun feature that improves the overall look of your outdoor setting. A good use for a layered deck may be a grilling and seating area that is level with the room it is built off of and then a lower deck housing a hot tub or covered seating area. In a way, you can get more than one deck with this style – each with its own function, if you choose. 

Pool Deck

Another popular use for a deck is around a swimming pool. Adding a deck around your pool can help improve the pool’s usage and accessibility. Not only does a pool deck improve the look of your landscaping, but it also provides a place to put lounging chairs and small tables and even a colorful shade umbrella. A deck around your pool can also add some safety features including a non-slippery surface to decrease the chances of a fall. 


Side-Yard Deck 

Side yards are often underused spaces around your home. If you want to make the most out of your property, consider adding a side-yard deck. This part of your property can be more than just a place to keep your trash bins. While you may not have a large space for a deck on the side of your home, you can consider making it run the length of the house to increase square footage. These types of decks are most commonly used for seating and lounging, although the possibilities are endless depending on the layout of your property. 

Rooftop Deck

If you don’t have the yard space to add a deck, you can consider adding a rooftop deck. While it is not as common to add a deck to the roof of your house, it has become increasingly popular to add a deck to the roof of a garage or other outbuilding on your property. A rooftop deck can provide amazing views without blocking the sunlight. These areas can be great for grilling, eating, and lounging. 

How Can HFS Financial Help Me with My Custom Deck Loan?

If you’re considering adding a custom deck to your home, reach out to HFS Financial for all of your home improvement financing needs. HFS makes it easy to fund your project with minimal documentation requirements, no equity or appraisal needed, and direct-to-consumer funding. 

HFS Financial also offers 120% financing, allowing you some financial wiggle room for those unexpected hiccups that you may find along the way of your deck-building journey. All funds are paid directly to you, the consumer, so there’s no need to coordinate contractor work with payout schedules. Handle your project your way. 

With low fixed rates and industry-leading loan terms, there’s no better place to begin your custom deck loan quest than with HFS. To get started, fill out the 60-second inquiry form to help determine your qualification status. Upon inquiry application approval, you will be connected with a loan consultant who will either give you a call in the near future or who you can call directly at any time. 

Your loan consultant will help you fill out the rest of your application and will work with you to find the best funding possible for your project. Once everyone is happy with the terms and your deck loan has been approved, building your custom deck will be right around the corner. 

You can reach out to HFS Financial at any point along your loan process, including when you’re just getting started. We are here to answer any and all questions you have regarding your loan. Please, do not hesitate to reach out!  

How the Loan Process Works

Step 1.

Apply For A Loan

Does NOT affect your credit, get same day answers

Step 2.

Speak To A Loan Consultant

Get instant loan answers OR speak with a loan consultant

Step 3.

Provide Documentation

Securely upload some basic documents for loan verification

Step 4.


Most loans fund within 48 hours