Low fixed rates
Market-leading fixed rates and fixed monthly repayments, so the payment never moves.
HFS Financial · 120% financing available
Finance your Bay Harbor project with HFS Financial
Personal home improvement loans from $3,000 to $450,000 with low fixed rates, terms up to 30 years, and same-day prequalification. Checking your options won't impact your credit score.
What HFS offers
Built for home improvement, not general credit
HFS Financial is our home improvement lending partner. Loan amounts, rates and terms come from HFS and its lenders — we simply give you a direct line to the program set up for Bay Harbor Remodeling and Construction customers.
Loans from $3K to $450K
Amounts sized for real projects — kitchens, baths, whole-home remodels, ADUs and pools.
Terms up to 30 years
Choose the term that fits your budget; longer terms mean a lower monthly payment.
Personal loans, no home equity
Borrow without tapping your home equity — no appraisal, no lien on the house.
Same-day prequalification
See your loan options in minutes, directly with HFS.
No credit score impact to inquire
Checking your rate is a soft inquiry and won't affect your credit score.
The steps
From estimate to funded project
- 1Get your scope and priceWe walk the property and give you a line-item proposal — the number the loan needs to cover.
- 2Prequalify with HFSUse our HFS link, enter the amount you need, and see your payment options the same day.
- 3Choose your termsCompare the offers you receive and pick the rate and term that fit your budget.
- 4Schedule the buildOnce funding is in place we lock your start date and order long-lead materials.
Ready to see your options?
Prequalify through our HFS Financial page, or have us price the project first — the estimate is free either way.
Bay Harbor Remodeling and Construction (CSLB Lic. #1148311) is a licensed general contractor, not a lender or broker. All loan amounts, rates, terms, eligibility and approvals are determined by HFS Financial and its lending partners.