HRF is an advertising and referral platform that connects homeowners with third-party providers offering renovation financing options.
No. HRF is not a lender and does not provide loans or financial services.
Your information may be shared with independent providers who may contact you and present financing options.
No. There is no obligation to continue the process or accept any offer.
Kitchen remodeling, bathroom renovations, home additions (ADU), electrical and plumbing systems, outdoor work, and more.
All decisions are made solely by the external providers, based on your personal profile.
Yes. Some providers may consider applicants with less-than-perfect credit.
HRF’s service is free of charge and comes with no obligation.
No. After your information is shared, all communication, offers, and agreements are handled directly between you and the external providers.
HRF sends leads to organizations that provide loans or financing solutions, such as banks, private lenders, or contractor-based financing providers. Your lead may be sent to one or multiple providers, depending on system discretion and availability.
HRF connects users with third-party providers through a simple process that streamlines outreach. By submitting your details once, your information is shared for direct communication with providers, helping you explore opportunities and move forward based on your preferences and timing.
Explore opportunities from third-party providers.
Your details are securely transmitted to providers within the network, enabling direct communication based on the information you provide.
Access a range of offers, services, or solutions from independent providers, allowing you to review opportunities at your own pace.
A network of providers communicating directly with clear communication and efficient, reliable coordination across all interactions.
A simple process to submit your details and receive contact from participating financing providers. No initial paperwork • No obligation to proceed • Fast and easy process.
Complete our short form to describe your project details today.
Your details may be securely shared with one or more independent providers.
You may receive contact from participating providers with financing offers.
Review received offers and decide whether you want to proceed.
A general overview of your renovation needs, submission of your request, and next steps.
A high-level review of your renovation needs and submission of your request to participating independent providers.
General information about the process stages, from initial submission to sharing your details without selection or filtering.
Your request is shared with participating third-party providers; our role ends at the point of referral.
Receive information and potential offers from independent providers offering a range of solutions.
A clear breakdown of the process, from submitting your request to understanding next steps with ease.
Detailed insights into renovation financing options, ensuring transparency and access to multiple independent providers.
With an Independent Third‑Party Provider Who Will Contact You Directly
A brief, no-obligation call to review general information and submit your request
Fast, free, and easy to get started.
Renovation-related options for homeowners across California, including Los Angeles, Orange, San Diego, Riverside, and San Bernardino counties.
A clear, streamlined overview presenting homeowner access to providers, with general terms and a simple structure across planning and completion.

® HRF is an independent marketing and referral service and not a lender or financial institution. HRF does not offer, originate, fund, service, or underwrite loans, and does not make credit or approval decisions.
All financing terms, approvals, and outcomes are determined solely by independent, licensed third‑party lenders. Submission of information does not guarantee loan approval.
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