Financing Available
Financing Your Remodel
If you’d like to finance your kitchen or bath project, Benchmark works with HFS Financial, a home-improvement financing partner. Here’s what’s available and how it works.
What We Offer
Home-Improvement Financing Through HFS Financial
Benchmark works with HFS Financial, a home-improvement financing partner, for homeowners who’d rather spread the cost of a project over time. It’s financing built for renovations and isn’t tied to your home equity. It’s optional, and choosing it doesn’t change your project price. Here’s how it works.
Our Financing Partner
A Specialist in Home-Improvement Loans
Benchmark partners with HFS Financial for renovation financing. They’ve focused on home improvement since 2011, with a track record you can look up before you ever apply.
- 100,000+
- Homeowners funded since 2011
- 3,500+
- Five-star customer reviews
- $0
- Impact on your credit to check your rate
Checking your rate is a soft credit pull, so it won’t affect your credit score. Opens HFS Financial’s application in a new tab.
Why It Fits a Remodel
Built for Renovations, Not Your Home Equity
HFS Financial specializes in home-improvement loans, so the terms are shaped around how a remodel actually happens. Here’s what that means for you.
- Not tied to your home equity
- It’s a personal renovation loan, so there’s no appraisal and no lien placed on your home.
- Fixed monthly payments
- Your rate is locked for the life of the loan. The payment you start with is the payment you finish with.
- A soft-pull rate check
- Seeing your options is a soft credit pull, so checking your rate doesn’t affect your score.
- No prepayment penalty
- Pay the balance down early whenever you like. There’s nothing extra for doing so.
- Funds when it’s time to build
- Once you’re approved, the money is typically available within a couple of days.
- Sized to the project
- From a single bathroom to a full kitchen, financing is available for projects of nearly any size.
How It Works
Three Simple Steps
- 1
Check your rate
The application is a soft credit pull, so checking your rate doesn’t affect your credit score. Most decisions come back quickly online.
- 2
Review your offer
You see the terms before you commit to anything. There’s no obligation to accept, and your project price stays the same either way.
- 3
Put it toward your project
If you move forward, the funds go directly toward your Benchmark project. We’ll walk you through the current offers and terms at your in-home visit.
Financing Questions
What People Ask
Does financing change my project price?
No. The number on your proposal is the same whether or not you finance. We don’t mark up a project for financing.
Do I need home equity to qualify?
No. This is a personal renovation loan through HFS Financial, not a home-equity loan, so there’s no appraisal and no lien on your home.
Will applying affect my credit score?
Checking your rate is a soft credit pull, which doesn’t affect your score. You only move forward if the terms work for you.
How soon are the funds available?
Once you’re approved, the funds are typically available within a couple of days, so financing rarely holds up your start date.
Can I finance part of the project?
Yes. You can finance all or part of your remodel. It’s your call. We’ll work with whatever plan you set up.
When should I look at financing?
After the free in-home visit, once you know the real scope and number. The financing conversation is simpler when you know what you’re working with.
Ready When You Are
Two Ways to Start
Get your custom estimate online in 2 minutes, or leave us a message. Our team will connect with you within 24 hours.