Finance Your Remodel
FINANCING YOUR PROJECT
Pro Work has partnered with HFS Financial to make your project possible — without the wait.
Your dream space shouldn’t have to wait while you save. At Pro Work, we believe the right project at the right investment level is within reach for more homeowners than you might think. That’s why we’ve partnered with HFS Financial — one of the nation’s leading home improvement lending platforms — to give our clients access to fast, flexible financing with no home equity required.
Whether you’re planning a kitchen remodel, a bathroom transformation, a whole home renovation, or a custom ADU, HFS Financial can help you get the funds you need — often within one business day — so your project can start when you’re ready, not when your savings say so.
Whether you’re planning a kitchen remodel, a bathroom transformation, a whole home renovation, or a custom ADU, HFS Financial can help you get the funds you need — often within one business day — so your project can start when you’re ready, not when your savings say so.
PRO WORK ×
Official Financing Partner
Pro Work has partnered with HFS Financial to connect our clients with fast, flexible home improvement loans — no home equity required, no impact to your credit score to check your rate, and funding as fast as one business day.
Check Your Rate in 60 Seconds at hfsfinancial.net | Rates from 7.8% APR | Terms up to 20 Years
Why Pro Work Chose HFS Financial as Our Partner
When we were looking for a financing partner to recommend to our clients, we had one standard: we’d only partner with a company that treats homeowners the same way Pro Work does — with transparency, speed, and no runaround. HFS Financial cleared that bar completely.
✓ No Home Equity Required
Your loan is based on your income and creditworthiness — not how much equity you’ve built. Whether you’re a newer homeowner or simply want to keep your equity intact, HFS has options.
✓ No Impact to Your Credit Score to Check Your Rate
Pre-qualifying with HFS uses a soft inquiry only — meaning you can see your rate, loan options, and estimated payments in 60 seconds without touching your credit score.
✓ Fixed Rates Starting at 7.8% APR
Lock in a fixed rate and know exactly what your payment will be every month. No variable rate surprises. No payment adjustments. Budget with complete confidence.
✓ Flexible Terms — 1 to 20 Years
Choose the repayment term that fits your monthly budget. Shorter terms mean less interest paid overall. Longer terms mean lower monthly payments. The right term is the one that works for your life.
✓ Loan Amounts from $5,000 to $300,000
Whether you’re financing a powder room refresh or a full custom home build, HFS can fund the full scope of your Pro Work project
✓ Funds Paid Directly to You
HFS disburses loan funds directly to your bank account — giving you full control over your project and your contractor. You manage the money. You manage the timeline.
✓ No Prepayment Penalties
Pay off your loan early at any time with no fees. If your financial situation improves, you can accelerate payoff and reduce your total interest cost — no penalty, no friction.
✓ Funding as Fast as 1 Business Day
Once approved, most borrowers receive funds within one business day. No weeks of processing. No drawn-out bank timelines. Your project can start as soon as you’re ready.
✓ 100,000+ Homeowners Funded — 3,500+ Five-Star Reviews
HFS Financial has a proven track record with homeowners across all 50 states and an outstanding customer satisfaction record. You’re in good hands.
Estimated Monthly Payments by Loan Amount & Term
Use this table as a starting point to understand what your project could cost per month. Payments are calculated at 8.24% APR — HFS Financial’s published rate as of 2025. Your actual rate will depend on your creditworthiness and will be confirmed when you check your rate.
Estimates only. Actual rates, terms, and monthly payments are subject to credit approval. Check your personalized rate at hfsfinancial.net — no credit impact.
LOAN AMOUNT
- $25,000
- $35,000
- $50,000
- $65,000
- $80,000
- $100,000
- $120,000
- $150,000
- $200,000
- $275,000
TYPICAL PROJECT
- Powder Room / Small Bath
- Guest Bath Remodel
- Primary Suite Bath
- Kitchen — Small/Basic
- Kitchen — Medium/Mid
- Kitchen — Large/Mid
- Whole Home — Under 1,500 sqft
- Whole Home — Mid
- Addition or ADU — 600 sqft Mid
- Addition or ADU — 1,000 sqft Mid
5 YEARS TERM
- $510/mo
- $714/mo
- $1020/mo
- $1325/mo
- $1631/mo
- $2039/mo
- $2447/mo
- $3059/mo
- $4078/mo
- $5608/mo
10 YEARS TERM
- $306/mo
- $429/mo
- $613/mo
- $797/mo
- $981/mo
- $1226/mo
- $1471/mo
- $1839/mo
- $2452/mo
- $3371/mo
15 YEARS TERM
- $242/mo
- $339/mo
- $485/mo
- $630/mo
- $776/mo
- $970/mo
- $1163/mo
- $1454/mo
- $1939/mo
- $2666/mo
20 YEARS TERM
- $213/mo
- $298/mo
- $426/mo
- $553/mo
- $681/mo
- $851/mo
- $1022/mo
- $1277/mo
- $1703/mo
- $2341/mo
Based on 8.24% APR fixed rate. Rates as low as 7.8% APR available for qualified borrowers. Loan amounts from $5,000 to $300,000. Terms from 1 to 20 years. No prepayment penalties. All figures are estimates — actual payments confirmed at application. Source: HFS Financial (hfsfinancial.net).
How Financing Through HFS Financial Works
- 01- Talk to Pro Work First
Before applying for financing, schedule a free Discovery Call with Pro Work. We’ll walk through your project, give you an honest investment range, and help you understand exactly how much you’d need to finance. This ensures you apply for the right loan amount — not too much, not too little.
- 02- Check Your Rate in 60 Seconds
Visit hfsfinancial.net and fill out the short inquiry form. You’ll provide basic information about yourself and your project. HFS uses a soft credit inquiry only — your credit score is not affected at this stage. You’ll see your rate options and estimated monthly payments immediately.
- 03- Review Your Options and Choose Your Terms
HFS presents you with loan options from their network of lenders — including your personalized rate, available terms (1–20 years), and monthly payment options for each. Choose the combination that fits your monthly budget and financial goals. No pressure to commit at this stage.
- 04- Complete the Application and Upload Documents
Once you’ve selected your preferred loan option, complete the formal application. You’ll need to provide a government-issued ID and proof of income (pay stubs, W-2s, or tax returns for self-employed borrowers). The process is streamlined and can often be completed in under 30 minutes.
- 05- Get Approved and Funded
HFS processes applications quickly — many borrowers receive approval the same day they apply, with funds deposited directly to their bank account within one business day. Once the funds are in your account, you’re ready to begin your Pro Work project.
- 06- Your Project Begins
With financing secured, Pro Work schedules your project and construction begins on your agreed timeline. Your dedicated Pro Work project manager oversees every phase while you manage your financing directly with HFS — simple, separate, and fully in your control.
What Pro Work Projects Can Be Financed
HFS Financial can fund the full range of Pro Work residential services — individually or bundled together in a single loan:
- Kitchen Remodeling: From basic refreshes to full premium transformations — $50K to $150K+
- Bathroom Remodeling: Powder rooms, guest baths, and primary suite renovations — $5K to $50K+
- Whole Home Remodeling: Complete interior transformations by home size — $120K to $400K+
- Home Additions: Expand your space with attached or detached additions — priced per sq ft
Accessory Dwelling Units - (ADUs): Guest houses, in-law suites, garage conversions — from $110K+
- Custom Home Builds: Ground-up residential construction — full scope financed
“When customers see how little their monthly payment can be, many choose to increase the scope of their project — and end up with more of the home they really wanted.”
Frequently Asked Question —Financing with HFS Financial
Checking your rate with HFS Financial uses a soft inquiry only — it does not impact your credit score at all. A hard inquiry only occurs when you formally proceed with a loan application after reviewing and accepting your options. You can check your rate with complete confidence.
Ready to Start Your Project?
Talk to Pro Work about your project — then check your HFS rate in 60 seconds.
Step 1: Schedule Your Free Pro Work Discovery Call flprowork.com
Step 2: Check Your HFS Financial Rate — No Credit Impact hfsfinancial.net
Step 1: Schedule Your Free Pro Work Discovery Call flprowork.com
Step 2: Check Your HFS Financial Rate — No Credit Impact hfsfinancial.net
