Options up to $450,000*
Available amounts are determined by participating lenders and the applicant’s qualifications.
Project Financing
Flexible Financing Options for Your Remodel
Prime Craft Renovation partners with HFS Financial to help homeowners explore personal home-improvement loan options for kitchen, bathroom, basement, and whole-home remodeling.
Financing throughHFS Financial
Options Built Around Your Plans
Explore the project. Then explore the payment path.
HFS connects homeowners with third-party lenders offering personal home-improvement loans. Current options and eligibility are shown directly by HFS.
Fixed-rate loan options
Review available terms through HFS before deciding whether financing fits your project.
Terms up to 30 years*
Longer term options may be available depending on the lender, loan, and applicant.
No home equity required
These are personal loan options, so HFS states that a home appraisal is not required.
No prepayment penalties
HFS states that its program’s loan options do not include prepayment penalties.
Soft credit inquiry
Checking potential options through HFS uses a soft credit check that does not affect your credit score.
A Clear Starting Point
How the financing path works
Prime Craft handles your remodeling conversation. HFS and its participating lenders handle all financing inquiries, decisions, terms, and funding.
Check My Rate with HFSDefine your remodeling goals
Tell Prime Craft what you want to change so we can understand the right design-build scope.
Explore options through HFS
Use the secure HFS partner page to review potential loan options. Prime Craft does not collect your credit or banking details.
Review lender terms carefully
Participating lenders determine approval, rates, amounts, repayment terms, and timing. Choose only what is right for your household.
Coordinate the project plan
If you move forward, Prime Craft coordinates design, selections, pre-construction, and remodeling while financing remains between you and the lender.
Important financing information
Prime Craft Renovation is not a lender. Financing is provided by unaffiliated third-party lenders through HFS Financial. HFS Financial is not a lender, and an inquiry is not a loan application or a guarantee of approval.
Rates, amounts, terms, timing, and availability vary by lender and applicant. Restrictions apply, programs are not available in every state or for every project type, and not all applicants qualify. Information may change. HFS Financial NMLS and MD CSB #1680766.
Common Questions
Remodeling financing FAQs
Does checking my rate affect my credit score?
HFS states that its initial inquiry uses a soft credit check and does not affect your credit score. Review the current HFS disclosures before submitting your information.
Is Prime Craft Renovation the lender?
No. Prime Craft Renovation is the remodeling contractor. HFS Financial connects consumers with participating third-party lenders, which make all credit and loan decisions.
Where do I submit financing information?
Only through the secure HFS Financial partner page. Prime Craft’s project inquiry asks only whether you are interested in financing; it does not request credit, income, Social Security, or banking information.
When should I explore financing?
You can explore options early while the remodeling scope is being defined. Available amounts and terms should be evaluated alongside the final project proposal and your own financial priorities.