Raw Land · Rooftops · Revenue
You dream it.
We finance it.
Upgrade your home across South Texas with no money down. See your payment now. Checking your rate never touches your credit.
Your project
on $25,000. $0 down. Checking your rate will not affect your credit.
Check your rateFinancing powered by HFS
Start with nothing down
You dream it, we finance it. Fund your project with no money down and a fixed monthly payment. Move the slider to see your number.
Estimate your monthly payment
Project amount
$25,000
Est. monthly*
$209/mo
Checking your rate with HFS Financial will not affect your credit.
What you get
- No money down to start
- Up to 120% project financing (not all qualify)
- No equity and no appraisal required
- Checking your rate does not impact your credit
- Funds in your account within 24 hours
- Industry leading terms, fixed monthly payment
- Funds all home improvements
Free, no obligation estimate. Checking your rate is a soft pull with zero impact on your credit. You only move forward if the payment works for you.
$0 down
Start with nothing down
Begin your project with no money down. No equity, no appraisal, no lien on your home.
120%
Up to 120% financing
Fund the whole project plus a little extra for upgrades or the unexpected. Not all will qualify.
24-hr funds
No risk to check
Seeing your rate is a soft pull with no impact on your credit, and approved funds land within 24 hours.
How the money works
Inquire
Tell us about your project. Takes about a minute.
Soft-check approval
See your terms with no impact on your credit. Direct-to-consumer funded.
Terms in 24 hours
Get your loan and payment terms back fast, usually within a day.
Funded and built
The full amount lands in your checking account. We do the work, warrantied.
*Estimated payment shown for illustration only, based on an 8% fixed annual rate over a 20-year term. Financing powered by HFS Home Improvement Loans, with financing available up to 120% of project cost and loan amounts up to $100,000. Your actual terms and payment are subject to credit approval and final project scope. Not all will qualify.
What we do
Renovation and upgrade work for existing homeowners. Pick a service or ask us about your project.
HVAC
AC and heating replacements sized right for your home and our humidity, not oversold.
Get estimate →Kitchen remodels
Cabinets, counters, and layout upgrades that raise daily comfort and resale value.
Get estimate →Bathroom remodels
Walk-in showers, vanities, tile, and fixtures done clean and on schedule.
Get estimate →Additions and remodels
Add square footage, a room, or a casita, or renovate the whole home with one accountable team.
Get estimate →Windows and doors
Energy-efficient windows and doors that lower cooling costs and street noise.
Get estimate →Landscaping and outdoor living
Covered patios, pergolas, and yard upgrades that make South Texas heat livable year round.
Get estimate →Decorative and entertainment walls
Feature walls, stone and tile accents, and built-in media walls that anchor a room.
Get estimate →Our work
Real projects, real homes
A look at recent work across South Texas. This is the team that shows up.
How it works
Free estimate
We visit, measure, and give you a clear written quote at no cost.
Pick your financing
Choose the payment plan that fits your budget, or pay up front.
We deliver
Licensed crews do the work on schedule, with a warranty behind it.
Licensed
Licensed contractor
Insured
Fully insured crews
Financing
No money down via HFS
Local
Headquartered in South Texas
Get your instant estimate
See a typical cost and your monthly payment the moment you tap your project. Add your address and we send a detailed free quote. No cost, no obligation.
- See your number before you talk to anyone
- Financing and $0 down explained up front
- Licensed, insured crews
Prefer to text?
Tap what you need and we will open WhatsApp with the details already filled in.
Text us about a home improvement projectWhat do you want to do?
Tap a project to see a typical cost and your monthly payment instantly. No contact info needed to look.
Common questions
Yes. We finance home improvement projects through HFS Home Improvement Loans with no money down, no equity required, and no appraisal. Financing is available up to 120% of project cost (not all will qualify), and approved funds go directly to your checking account.