Financing Options | Remodel Your Vibe
Source: https://www.remodelyourvibe.com/financing
Last modified: 2026-09-24T00:00:00.000Z
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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 Check rates with HFS
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 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 818-300-2393
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.
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.
- ##### Inquire
About 60 seconds on the HFS site. It does not affect your credit, and you get same-day answers.
- ##### Get prequalified
View your loan options instantly, or talk them through with an HFS loan consultant.
- ##### Verify
Securely upload a few basic documents so HFS can verify the loan.
- ##### Get your funds
Loan proceeds are available within 48 hours of approval.
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 .
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
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
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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 View Our Portfolio
Prefer to talk? 818-300-2393 We call you back within one business day.
Licensed, Bonded & Insured · LIC #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.
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