Home Improvement Financing
Financing That Keeps the Design You Actually Wanted
Millennium Construction partners with HFS Financial so you can build the whole project now and pay for it over time. HFS focuses on home improvement lending, which means the application is written for a remodel rather than a car loan. Checking your options takes a few minutes, and your inquiry does not affect your credit score.
- Inquiry does not affect your credit score
- Fixed rates as low as 2.99% with terms up to 20 years
- Loans up to $250,000, funded within 48 hours
Our Financing Partner
We partnered with HFS Financial because they specialize in home improvement and outdoor living projects. That focus means fewer explanations, faster answers, and terms written for a long-term investment in your property.
HFS Financial
HFS Financial offers 100% personal loans for home improvement, with fixed rates starting as low as 2.99% and terms extending up to 20 years. Payments run as low as $89 per month for every $10,000 borrowed, and loan amounts reach $250,000, enough to cover a complete backyard build or a whole-home remodel on a single loan. Approved projects can be funded within 48 hours, and the initial inquiry does not affect your credit score.
Why Finance Your Remodel?
Waiting three years to save changes the price of the project rather than the size of it. Financing gets the work done at today’s material and labor cost and keeps your cash available for everything else. It also lets us build the backyard and the interior work in one pass, with one crew mobilized one time.
- Build the outdoor living space and the interior work together in a single phase
- Keep cash on hand for other priorities
- Lock in current material and labor pricing
- Spread a capital improvement across manageable monthly payments
- Enjoy the finished space while you pay for it
How Financing Works
Get pre-approved before we design, rather than after. When we know your number going in, we design to it, and your finished plan arrives already sized to a budget you have confirmed.
Apply through HFS Financial. The online application takes a few minutes, and the initial inquiry does not affect your credit score.
Bring us your number. Once you know your approved amount, you have a real budget to design against.
Schedule your design consultation. We review your property, talk through how you want to use the space, and align the scope with your budget.
Review your 2D plans and 3D renderings. You see materials, layout, and finishes rendered in your own space, with a clear price attached to the design.
Finalize the loan and start building. Sign with HFS; funds are disbursed on their schedule, and construction begins.
Why Choose Millennium Construction
Complete Design-Build Under One Roof
Design, engineering, permitting, and construction stay with one team. You have a single point of contact from the first meeting through the final walkthrough.
2D & 3D Renderings Before You Commit
Our in-house design team renders your space in detail before construction begins, so materials, layout, and finishes are agreed on visually while changes are still easy to make.
One Contractor, One Contract
Pool, decking, outdoor kitchen, hardscape, landscape, turf, and interior remodeling on a single agreement. You are financing one project with one team behind it.
Five California License Classifications
We hold B, C-53, C-8, C-29, and C-27 classifications, covering general building, pools, concrete, masonry, and landscape work in-house.
10-Year Workmanship Warranty
Our work is backed by a 10-year workmanship warranty, $1M general liability and workers’ compensation coverage, an A+ BBB rating, and a perfect CSLB record.
Family Owned Since 2002
We have stayed family-owned and operated for more than two decades. The owner is involved through the build and through the final walkthrough.
Home Improvement Financing FAQs
No. The initial inquiry through HFS Financial uses a soft credit check that leaves your score untouched. A hard inquiry typically happens only once you decide to move forward with a loan.
HFS Financial offers 100% personal loans for home improvement projects, with fixed rates starting as low as 2.99% and terms up to 20 years.
Loan amounts reach up to $250,000, which covers a complete backyard transformation, a full interior remodel, or both on a single loan.
Approved projects can be funded within 48 hours.
Payments run as low as $89 per month for every $10,000 borrowed. Your exact rate, term, and payment are set by HFS Financial based on your credit profile and the term you select.
Design, pools and spas, outdoor kitchens, patios and outdoor rooms, hardscape, landscape, artificial turf, fire and water features, and kitchen, bathroom, and whole-home remodeling can all be included, because it is one contract and one project.
Before. When your budget is known going in, we design to it, and you get a plan that already fits the number you have in hand.
Ready to Get Started?
You do not need the full amount sitting in an account to begin. Get pre-approved through HFS Financial, bring us the number, and we will design a space that fits it, indoors, outdoors, or both. schedule your design consultation to see your project in 2D and 3D before you commit to anything.