No. HRF does not provide loans, extend credit, or make financing decisions. All loans are offered, approved, and funded solely by independent, licensed lenders.
HRF supports the client throughout the entire journey — from submitting the initial application through loan funding — by providing process guidance, coordination between relevant parties, and ongoing support, without any involvement in credit decisions or loan terms.
No. Lender selection, credit review, loan approval, interest rates, and loan terms are determined exclusively by the lender. HRF does not influence or participate in credit decisions.
No. HRF does not perform credit checks, underwriting, or financial analysis. Any review of financial or credit information is conducted directly by the lender.
Yes. HRF can explain the overall structure of the process and how the financing workflow operates. All specific terms, rates, obligations, and disclosures are provided and explained by the lender.
No. There is no cost to submit an application or receive process guidance from HRF. Any fees, charges, or costs associated with a loan are determined, disclosed, and collected solely by the lender as part of the financing agreement.
Yes. As part of its ongoing support, HRF continues to coordinate and assist throughout the application, review, and approval stages with the lender, through loan funding.
In most cases, loan approval is issued within 24 hours to 5 business days, depending on the loan type and the information provided by the client.
Timelines may vary based on the loan structure, the completeness and accuracy of the submitted information, and the lender’s internal review process.
All interest rates, repayment terms, and pricing details are set and communicated exclusively by the lender, based on the borrower’s qualifications and the lender’s criteria.
No. HRF is not a party to any loan agreement. All loan contracts are executed directly between the client and the lender.
We support homeowners through the application process, explain next steps, and help coordinate communication with lenders.
HRF delivers independent, renovation‑focused financing guidance designed around your project, not lender priorities. We guide California homeowners through a clear, transparent process from review to funding, so you can move forward with confidence.
Explore your renovation financing options now.
Independent, renovation‑focused guidance centered on your renovation goals, delivering lender‑neutral insight aligned with your project needs and financial priorities.
Exclusive focus on home renovation financing, providing structured guidance tailored to construction timelines, project payments, and realistic renovation budgets.
Clear step‑by‑step guidance from review to funding, ensuring confidence, clarity, and consistent communication throughout the entire financing process.
A simple, no‑pressure process designed for homeowners with credit challenges.
No documents • No SSN • No Impact on your credit score.
Share basic information and project details, no credit check required.
A customer service representative reviews your request, goals, and timeline.
We contact you to discuss options and answer questions clearly.
Move forward with guidance through requirements if appropriate, together today.
We match homeowners with trusted loan providers, guiding renovation financing, comparing options, and securing clear, competitive terms efficiently.
Tailored assessment of your renovation needs and connection to specialized lenders.
Clear guidance from initial inquiry through funding, paperwork, and next steps.
One point of contact managing all communication with potential lenders.
Compare competitive rates and fee structures from trusted financing partners.
Schedule a short consultation to explore your home renovation financing options today.
Renovation financing solutions for homeowners across California, including Los Angeles, Orange, San Diego, Riverside, and San Bernardino counties.
A clear, streamlined process with transparent terms and expert guidance — from planning through project completion.
Explore your renovation financing options now.
