HRF supports homeowners at the very beginning of the home renovation financing journey, helping turn what can feel like a complex and overwhelming process into something simple, clear, and approachable.
After you submit your application, including completing the form on our website or sharing your details, we reach out to schedule a short conversation to understand your renovation plans and your overall needs.
At this stage, we help organize the initial information, provide clear guidance, and point you toward potential financing options that may be relevant to your situation.
When appropriate, we connect you with independent financing providers who can continue the process directly with you in a straightforward and transparent way.
Our goal is to be a single, reliable starting point that reduces uncertainty, saves time, and allows you to move forward with confidence and without pressure.
The service is provided at no cost and with no obligation, focusing on personal support, availability, and making the first step toward your home renovation feel simple and manageable.
One flexible loan covering everything from interior upgrades to complete home transformations.
| Category | Products, Works & Systems Included | Project Scope |
|---|---|---|
| Home Remodeling | Full home renovation projects, interior and exterior upgrades, layout changes, structural modifications, finish upgrades | Turn‑key full property renovation |
| Kitchen Remodeling | Full kitchen remodel, cabinets, countertops, backsplash, sinks, fixtures, appliances, under‑cabinet lighting, LED lighting | Complete kitchen design & build |
| Bathroom Renovation | Full bathroom remodels, tile installation, waterproofing, drywall installation, interior paint, LED lighting, shower doors, showers, tubs, vanities, toilets, plumbing fixtures | Wet‑area construction & finishing |
| Interior Demolition & Layout | Interior wall removal, wall relocation, structural modifications, room expansions | Structural layout reconfiguration |
| Flooring & Finishes | Flooring, tile, hardwood, vinyl, laminate, wood wall cladding or slab feature walls, baseboards, interior paint, wallpaper | Interior surface finishes |
| Drywall & Insulation | New drywall, insulation, soundproofing | Interior envelope systems |
| Electrical Systems | Electrical upgrades, partial and full re‑wire, new wiring installations, electrical panels, sub‑panels, LED lighting, recessed lighting | Code‑compliant electrical systems |
| Plumbing Systems | Full plumbing upgrades, re‑piping, water supply lines, drainage systems | Complete plumbing infrastructure |
| HVAC & Air Conditioning | HVAC systems, air conditioning units, ductwork, ventilation | Mechanical climate systems |
| Windows & Exterior Doors | Exterior windows, entry doors, sliding doors, French doors, impact windows, weather‑rated systems | Exterior openings & protection |
| Interior Doors & Hardware | Interior doors, pocket doors, barn doors, frames, trims, hinges, handles, locks | Interior access systems |
| 3D Design & Rendering | 3D interior and exterior design, architectural visualization, photorealistic renderings, material and lighting simulation, virtual walkthroughs | Design visualization services |
| Smart Home & Technology | Smart home automation, lighting control, climate control, security systems, cameras, networking | Integrated smart systems |
| Garage & Conversions | Garage door replacement, garage renovation, garage conversion to living space | Garage adaptation & conversion |
| Concrete & Structural Works | Concrete slabs, foundations, footings, structural concrete repairs | Structural concrete works |
| Exterior Finishes & Structure | Exterior paint, stucco, exterior plaster, waterproofing, façade upgrades, roof replacement, gutters | Exterior building envelope |
| Driveway & Site Development | Driveway construction, grading, drainage, site preparation, hardscaping, pathways, exterior stairs | Site & access development |
| Landscaping & Outdoor Design | Lawn / sod, artificial turf, planting, irrigation systems, exterior lighting, landscape design | Outdoor landscape systems |
| Decks & Shade Structures | Wood decks, composite decks, pergolas, gazebos, shade systems | Outdoor living structures |
| Pool & Water Features | Swimming pool construction, pool plaster, coping, pool equipment, filtration systems, pool heating | Aquatic construction systems |
| Spa & Wellness | Jacuzzi / hot tub, sauna, cold plunge, outdoor showers | Wellness & relaxation installations |
| Outdoor Entertainment | Pool house, outdoor kitchen, grill & BBQ stations, fire pit, seating areas, outdoor sound systems | Outdoor leisure environments |
| Energy & Efficiency | Solar systems, energy‑efficient windows, doors, appliances | Energy optimization solutions |
| Architectural & Engineering | Architectural plans, engineering plans, structural calculations | Professional design & engineering |
| Permits & Compliance | Permits, inspections, approvals, code compliance | Regulatory management |
| Additional Custom Upgrades | Custom storage, built‑ins, specialty finishes, premium materials | Tailored solutions for specific needs |
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.
