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.
- No Impact on Credit to Inquire
- 100% Personal Loans
- Low Fixed Rates
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 has one-of-a-kind loan programs and world-class service as shown by 2000 + 5-star Reviews. HFS’s platform loans are personal loans which mean NO EQUITY is needed and all loans fund 100% Direct-to-Consumer. HFS performs a soft credit check to present you with full loan options. You can check your rates HERE with NO IMPACT TO YOUR CREDIT. Whether you want to finance the pool, deck, landscaping and more, HFS is your trusted partner for the best loan and customer service in the home improvement industry.
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.
3-Year Workmanship Warranty
Our work is backed by a 3-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.
On the HFS Financial Home Improvement Loan Platform, homeowners are able to seek personal loans. This means there are no home equity requirements, no need to refinance or mortgage your home, no appraisals and no lengthy loan processes.
Currently, programs have rates as low as 7.8%, fixed with terms from 1 – 30 years and there are no prepayment penalties.
Nope! With HFS Financial you can submit your 60-Second Loan Inquiry, enter in how much you know or think your project(s) will cost and HFS Financial will be able to provide you with your available loan qualifications. From there you can proceed, or refine the numbers to confirm exactly how much you want to borrow.
Your monthly payments are determined by the APR and term you qualify for. At HFS, we pride ourselves on making the entire inquiry and approval process transparent and intuitive. To find your rate before you apply without any impact on your credit, feel free to use the Check My Rate tool.
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.