HFS Financial (hfsfinancial.net) has a 4.5 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Business Services and its reputation is excellent. 86% of reviews are 4 stars or higher and 5% are 1 star; The business has replied to 88% of negative reviews. Last updated 2026-08-10.
The specialist was very knowledgeable and very patient answer all my questions
Thank you for the wonderful 5-star review! We're delighted to hear that your specialist was knowledgeable, patient, and took the time to answer all of your questions. Providing exceptional service is our goal, and we're so glad you had a positive experience. Thank you for choosing HFS Financial!
I am glad we was able to use this company, but the only thing that needs to change is communication. We were lost most of the time when our portal said all our stuff was complete but then our processor needing more stuff and there really wasn’t in communication.
Just took a little longer than I thought it was gonna take. Also, being able to talk to someone from time to time would help people feel at ease not wondering if it's a scam because there is no other way of communicating other than by email.
Thank you for your feedback and for choosing HFS Financial. We're glad your loan was successfully funded, though we're sorry the process took longer than expected. We also appreciate your comments about communication. We understand how important it is to feel informed and reassured throughout the loan process, and we'll use your feedback as we continue working to improve the customer experience. Congratulations on your project, and thank you again for sharing your experience!
Easy online process..returning emails in a timely manner...over all great experience..😊
Thank you Cecily and Carrie for making the loan application process smooth and easy.
Explained everything so I could understand it. Made getting a loan easy.
Super easy process. I did come with an extremely low debt to income ratio and credit scores in 800s so may be skewed for me but whole process only took a few days.
Weeks went by after our paperwork was complete and we were already approved. I had to reach out several times to ask what was holding up the process. The communication is not clear.
Congratulations on the funding of your home improvement loan! We sincerely apologize for any delays or lapses in communication you experienced during the process. We appreciate your valuable feedback and will review your experience to identify ways we can improve our communication and overall customer experience. Thank you for choosing HFS Financial, and we wish you all the best with your home improvement project.
Kathy was incredible and very responsive. HFS helped us where others couldn’t. I would highly recommend them for their efficiency and efforts.
Thank you for the wonderful 5-star review! We're thrilled to hear that Kathy provided incredible service and was so responsive throughout your loan process. It's especially rewarding to know we were able to help where others couldn't. We truly appreciate your recommendation and your kind words about our team's efficiency and dedication. Thank you for choosing HFS Financial!
Very smooth seamless procedure !!! Alexis did a great job !!!
I got emails all the time saying I needed to do something or change something for my loan. Every time I looked there was nothing to do. I would email, call, no one ever returned any phone calls or emails. Overall I am happy but the communication is severely lacking.
Thank you for your review, and congratulations on your funding! We're pleased to hear that, overall, you had a good experience and that we were able to help you reach your financing goals. We sincerely apologize for the frustration you experienced with communication during the process. We understand how confusing it can be to receive notifications indicating action may be needed, only to find there were no outstanding tasks. We also recognize that not receiving timely responses to your calls and emails is disappointing and does not reflect the level of service we strive to provide. Your feedback is extremely valuable, and we are actively working to improve both our communication processes and response times to ensure a smoother experience for our customers. We appreciate you bringing these concerns to our attention. Thank you again for choosing us, and we wish you continued success with your project. Congratulations once more on securing your funding!
Customer support was amazing through the entire process. All of my questions were immediately answered and I was able to call and talk to my manager at any point.
Thank you for your kind words and for taking the time to share your experience with HFS. We're thrilled to hear that you had such a positive experience. Providing exceptional service and support is our top priority, and it's rewarding to know we made a positive impact. Thank you for choosing HFS.
Very easy and convenient process in applying for a loan
Excellent communication and effecient process! Kept me apprised of loan status from start to finish.
Thank you for sharing your positive experience with HFS. We are delighted to hear that our team met your expectations and provided excellent service. Your feedback is greatly appreciated and serves as motivation for us to continue delivering the highest level of support and value. Thank you for choosing HFS.
Thank you for the 5-star review! We're so glad to hear you had a great experience with our team. We appreciate you choosing HFS Financial and thank you for taking the time to share your feedback. We wish you all the best with your home improvement project!
If your sources of income are like 95% of people and nothing about your situation varies from the norm, HFS is probably a great company. If you are retired and have income from different sources and they need to spend extra time with you outside of their portal, their customer service skills are TERRIBLE! I started working with Carrie Decker and when I would ask a question, I would get back a one liner and it would always be the next day and it would not include complete information. I asked for a supervisor and got back Ladina. I believe her information was more complete but directed me back to their beloved "portal". These people can't handle anything outside the lines at all and I am tired of dealing with them. It's too bad for them. If they don't want to make money on my loan, that is fine with me.
Thank you for taking the time to share your feedback. We sincerely apologize for the frustration caused by the requests for additional income documentation and any lack of clarity throughout the process. Income documentation is sometimes required to meet lending guidelines and ensure we can accurately verify information needed to move a loan forward. However, we understand that repeated requests or unexpected documentation needs can feel overwhelming, especially when expectations are not clearly communicated. We appreciate you bringing this experience to our attention. Your comments have been shared with our team as we continue to improve our communication and provide more proactive updates throughout the loan process. Thank you for the opportunity to learn from your feedback and improve the experience for future customers.
Great people to work with.
We appreciated the transparency of applying through HFS for our home improvement loan. The process was simple, and they communicated well throughout the application period. We look forward to the completion of our project and are pleased that HFS was able to help us accomplish our goals.
We're delighted to hear that you appreciated the transparency, clear communication, and simple application process. Helping homeowners achieve their home improvement goals is exactly why we're here. Thank you for choosing HFS Financial, and we wish you all the best with the completion of your project!
101 reviews matching