# Remodeling Financing Build the kitchen, backyard or addition you want now and pay over time. Compare three lending partners and apply online in minutes. Compare your optionsThree lenders. Pick the one that fits.Each lender works a different way: no equity needed, borrowing on your home’s future value, or a quick check with no impact on your credit. Apply online in minutes.Unsecured loanLyon Financial**$5K–$200K**loan amounts**15–30 yrs**loan terms - No home equity needed - Options for credit scores of 660 and up - Pools, backyards and much more - Veteran-owned, with discounted fees for active and retired military - Live agents through the whole loan process[Apply with Lyon ↗](https://www.lyonfinancial.net/hi-dealer/hq-remodeling-and-design-ca/)Home equity loan or HELOCRenoFi**Future value**your home after the remodel**No refi**keep your current mortgage - Based on what your home will be worth after the remodel, not what it is worth today - More borrowing power for larger projects - Fixed-rate home equity loan or variable-rate HELOC - No prepayment penalty[Ask us about RenoFi ↗](#hqr-estimate)Home improvement loanHFS Financial**1 minute**to check your options**24 hours**to get loan terms* - Soft credit check, so no impact on your credit - No equity and no appraisal - Up to 120% financing available - Funds go directly to you, with no stage funding - Covers all home improvements[Apply with HFS ↗](https://www.hfsfinancial.net/promo/64345b559fe279f4b65635ac)*HFS sends loan terms within 24 hours once you are conditionally approved. Financing is offered by these independent lenders, not by HQ Remodeling & Design. All loans are subject to credit approval. Rates, terms and amounts are set by each lender and can change, so confirm the details with the lender when you apply. How it worksFrom estimate to new space in four steps - 1Get your free estimateWe plan and price your project, so you know exactly how much you need. - 2Choose a lenderCompare the three options above, or ask us which one fits your project best. - 3Apply onlineApply directly with the lender. They review your application and send you the loan terms. - 4Start buildingOnce your financing is in place, we schedule your project and get to work. Questions before you apply?We’ll walk you through it.Watch our short video on financing your remodel, or call us. We’ll help you compare the options and plan a budget that works for you.[Call (714) 384-7529](tel:7143847529)[Request a Free Estimate ↗](#hqr-estimate)[Watch video](https://www.youtube.com/watch?v=39wtQLL8YF4) ## Good to know before you apply. ### Does applying for financing affect my credit? With HFS, checking your options uses a soft credit check, so there is no impact on your credit. For Lyon Financial and RenoFi, ask the lender how they check credit when you apply. ### Do I need equity in my home? No. Lyon Financial offers unsecured loans from $5,000 to $200,000, and HFS loans need no equity and no appraisal. RenoFi is a home equity loan, but it is based on what your home will be worth after the remodel, not what it is worth today. ### Do I have to refinance my mortgage? No. With RenoFi you keep your existing mortgage, and Lyon Financial and HFS loans are separate from your mortgage. ### How long are the loan terms? Lyon Financial offers terms of 15, 20, 25 and 30 years. RenoFi and HFS give you your terms when you apply; HFS sends them within 24 hours once you are conditionally approved. ### Can I finance more than a pool? Yes. Lyon Financial funds much more than pools, and HFS funds all home improvements, so kitchens, bathrooms, backyards and additions are all covered. ### Is HQ Remodeling the lender? No. The loans come from these independent lenders and are subject to their credit approval. We are happy to help you compare the options and price your project first. --- HQ Remodeling & Design, 17011 Beach Blvd, Suite 900, Huntington Beach, CA 92647. Phone (714) 384-7529. Email info@hqremodeling.com. CSLB license #1041842. Free estimate: https://hqremodeling.com/contact/. Page: https://hqremodeling.com/financing/