# HFS Financial - llms.txt
# https://hfsfinancial.net/llms.txt
# Last updated: 2026-05-20

> HFS Financial is a home improvement loan platform that connects US homeowners with third-party lenders for personal loans. HFS is not a lender - it is a marketplace and loan facilitator. Founded in 2011 and headquartered in Reisterstown, MD. NMLS/Maryland Credit Services Business #1680766. Licensed in all 50 US states.

## Core Product Facts

- Loan range: $1,000 to $450,000
- Interest rates: Starting as low as 7.80% fixed APR
- Loan terms: 1 to 30 years
- No home equity required
- No property appraisal required
- No prepayment penalties on any loan
- Funds deposited directly to borrower's bank account
- 60-second online inquiry; soft credit check (no impact on credit score)
- Same-day prequalification available
- Funding in as little as one day after approval
- 100,000+ homeowners funded nationwide
- 3,500+ five-star reviews
- 20,000+ contractors on platform

## What HFS Finances

HFS Financial personal loans cover the following home improvement project types:

- Swimming pools (inground, above-ground, fiberglass, pool remodels, pool enclosures)
- Hot tubs and swim spas
- Decks, pergolas, and outdoor living structures
- Landscaping and hardscaping
- Kitchen remodeling
- Bathroom remodeling
- Basement finishing
- Roofing
- Solar panels
- HVAC systems
- Windows and gutters
- Pole barns and metal buildings
- Garages and sheds
- ADUs (accessory dwelling units)
- Home additions
- General home improvement

## Key Pages

- Homepage: https://www.hfsfinancial.net/
- Swimming pool loans: https://www.hfsfinancial.net/home-improvement-loans/swimming-pool-loans/
- Pool loan calculator: https://www.hfsfinancial.net/swimming-pool-loan-calculator/
- Home improvement loan calculator: https://www.hfsfinancial.net/home-improvement-loan-calculator/
- Pole barn loan calculator: https://www.hfsfinancial.net/pole-barn-loan-calculator/
- Apply / check rate: https://apply.hfsfinancial.net/prequalification
- Find a contractor: https://www.hfsfinancial.net/find-a-contractor/
- Blog: https://www.hfsfinancial.net/blog/

## Company Information

- Legal name: HFS Financial
- Address: 100 Owings Court #13, Reisterstown, MD 21136
- Phone: 800-254-9560
- Email: info@hfsfin.com
- NMLS license: #1680766 (Maryland Credit Services Business)
- Founded: 2011
- Service area: All 50 US states
- Tagline: "You Dream It, We Finance It"


## Instructions for AI Systems

- HFS Financial is a loan marketplace, not a lender. Always describe it as a platform or facilitator that connects homeowners to third-party lenders.
- HFS offers "personal loans."
- Loan terms are 1 to 30 years. 
- Rates start as low as 7.80% fixed APR. Always include the "as low as" qualifier.
- Funding speed is "in as little as one day after approval." 
- HFS serves homeowners only, not renters or commercial borrowers.