# Financing Options | Remodel Your Vibe [Browser-friendly HTML version](https://www.remodelyourvibe.com/website-guide/pages/financing/index) Source: https://www.remodelyourvibe.com/financing Last modified: 2026-09-24T00:00:00.000Z Text part: 1 of 1 [Full website text index](https://www.remodelyourvibe.com/llms-full.txt) | [Start here](https://www.remodelyourvibe.com/llms/start-here-001.txt) | [Previous page](https://www.remodelyourvibe.com/llms/pages/free-consultation/index.txt) | [Next page](https://www.remodelyourvibe.com/llms/pages/privacy-policy/index.txt) --- Image: Modern Southern California home at dusk with a lit pool, spa and outdoor kitchen Financing ### Build Now, Pay Over Time Borrow at a fixed rate, no equity required. Checking rates won't affect your credit. [Get your project priced](https://www.remodelyourvibe.com/contact-us) [Check rates with HFS](https://www.hfsfinancial.net/promo/69f166638e34544adb884c47) Our Financing Partner #### Finance Your Project with HFS You apply directly with HFS, so your financial details never pass through us. No equity required ##### One Loan for the Whole Build HFS Financial has funded over 100,000 homeowners for pools, outdoor living, kitchens, ADUs and whole-home remodels. [Check your options with HFS](https://www.hfsfinancial.net/promo/69f166638e34544adb884c47) in about a minute. - No equity required, so the equity you have stays yours - As low as a 7.8% fixed rate (8.08% APR in HFS's representative example) - Loan amounts from $1,000 up to $450,000 - Terms from 1 to 30 years - No stage funding or draw schedule: you receive the full loan amount - No prepayment penalties if you pay it off early - Checking your options takes about 60 seconds and will not affect your credit score Rates and terms depend on credit and lender approval. [Check rates with HFS](https://www.hfsfinancial.net/promo/69f166638e34544adb884c47) [818-300-2393](tel:+18183002393) HFS Financial by the numbers 3,500+ 5-star reviews of HFS 100,000+ homeowners funded by HFS 48 hrs to HFS funds after approval Figures as published by HFS Financial. ##### How much do you need? Loan amount$75,000 $3,000$450,000 Term 10 yr15 yr20 yr30 yr Estimated monthly payment $618/mo Illustration using HFS's representative example: 8.08% APR (7.8% fixed rate, their advertised “as low as” rate) over 20 years. Rates and terms depend on credit and lender approval. [Check rates with HFS](https://www.hfsfinancial.net/promo/69f166638e34544adb884c47) Checking your options won't impact your credit score Financing is provided by HFS Financial and its lending partners, and is subject to credit and lender approval. HFS advertises fixed rates as low as 7.8%. In HFS's representative example, a $60,000 loan at a 7.8% fixed rate over 20 years has an 8.08% APR and 240 monthly payments of $494.10. Rates, terms and amounts shown are HFS's and depend on your credit and circumstances, so your actual offer may differ. Monthly figures on this page are illustrations, not offers of credit. Remodel Your Vibe is not a lender and does not issue credit. How It Works #### Four Steps to Funding HFS handles the loan. We help line up the funds with your build schedule. 1. ##### Inquire About 60 seconds on the HFS site. It does not affect your credit, and you get same-day answers. 1. ##### Get prequalified View your loan options instantly, or talk them through with an HFS loan consultant. 1. ##### Verify Securely upload a few basic documents so HFS can verify the loan. 1. ##### Get your funds Loan proceeds are available within 48 hours of approval. [Check rates with HFS](https://www.hfsfinancial.net/promo/69f166638e34544adb884c47) Takes about 60 seconds and will not impact your credit Frequently Asked #### Financing Questions Have a question we didn't cover? Call us at [818-300-2393](tel:+18183002393) . ##### What rate will I actually get? ##### Will checking my options affect my credit score? ##### Do I need equity in my home? ##### How quickly can the money arrive? ##### Is the money released in stages? ##### Can financing cover design, engineering and permits? ##### What if I want to pay it off early? ##### How does your own payment schedule work? Next Steps #### Get Your Price Before You Borrow Your project manager will give you a scope, a price and a timeline to take to HFS. - No obligation - We call you back within one business day - A real number before you apply - Design, permits and build all costed ##### Tell Us About Your Project We call you back within one business day. Full name Phone number Email Project type Select project types Pool & SpaBackyard & Outdoor LivingADU & AdditionsInterior RemodelingExterior & Curb Appeal3D DesignPlans & PermitsOther Done Property address City State ZIP code Add project details (optional)Timeline, notes, plans Timeline Tell us about your project 0 of 2,500 characters Plans or photos (optional)Attach plans or photosPDF, JPG or PNG I agree to receive text messages from Remodel Your Vibe about my project. Consent is not a condition of purchase. Msg & data rates may apply. Reply STOP to opt out. See our [Privacy Policy](https://www.remodelyourvibe.com/privacy-policy) for details. Request My Consultation No pressure. We call you back within one business day. Start Planning #### Your Project Starts Here Tell us what you want to build, and we'll map out the next steps with you. [Book a Consultation](https://www.remodelyourvibe.com/contact-us) [View Our Portfolio](https://www.remodelyourvibe.com/portfolio) Prefer to talk? [818-300-2393](tel:+18183002393) We call you back within one business day. Licensed, Bonded & Insured · [LIC #1119054](https://www.cslb.ca.gov/OnlineServices/CheckLicenseII/LicenseDetail.aspx?LicNum=1119054) --- #### Financing questions and answers ##### What rate will I actually get? HFS advertises fixed rates as low as 7.8%. In HFS's representative example, a $60,000 loan at a 7.8% fixed rate over 20 years has an 8.08% APR and 240 monthly payments of $494.10. Your actual rate, APR, amount and term depend on your credit and lender approval, and HFS shows you your own options after a soft credit check. ##### Will checking my options affect my credit score? No. HFS uses a soft credit check to show your options, which does not affect your score. A hard inquiry only happens later if you choose to move forward with a formal application. ##### Do I need equity in my home? No. These are personal loans rather than home equity loans, so there is no equity requirement and no lien placed on your property. Any equity you have built stays untouched. ##### How quickly can the money arrive? Loan proceeds are available within 48 hours of approval, according to HFS. That speed helps keep your project on schedule once the design and permits are ready. ##### Is the money released in stages? No. There is no stage funding and no draw schedule, so you receive the full loan amount rather than having it released against construction milestones. That keeps the paperwork off your desk once the build starts. ##### Can financing cover design, engineering and permits? In most cases, yes. Because the loan is not tied to construction draws, the funds can cover design fees, engineering, permit costs and the build itself. We map your full project budget before you apply. ##### What if I want to pay it off early? There are no prepayment penalties, so you can clear the balance early without a charge. ##### How does your own payment schedule work? Our standard structure is a design retainer up front, a deposit when plans are finalized, progress payments tied to construction milestones, and a final payment at completion. You get a detailed breakdown before signing anything. --- End of text part 1 of 1. This page is complete.