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.
We appreciate your feedback regarding the document upload process. We understand how frustrating it can be when submitting required documents isn't as seamless as expected, and we're sorry for the inconvenience you encountered. Our team is continuously working to improve our technology and processes to make uploading and submitting documents easier for our customers.
Thank you for choosing us and for sharing your experience. Your feedback helps us identify opportunities to improve, and we wish you continued success with your project.
S
Steven · 1 review · Verified · Experienced 2026-07-02 ·
★★★★★
The experience with HFS was effortless…
The experience with HFS was effortless & fantastic! Their team was there to answer any questions we had in a very timely manner. I highly recommend!
S
Stephen · 1 review · Verified · Experienced 2026-07-02 ·
Alexis S. was such a pleasure to work with. This is the second Home Improvement type of loan we have processed through HFS. One for a new pool, and the second one was for a pool and patio refresh at our new home. This company has always been so easy to work with!
Real Review!!! HFS very quick to connect with you, after the loan processor connected with me required info paystubs, dl, etc. NO ISSUES. there is a 24-72 hour wait before you hear anything. in 11 days, my application was completed and funded money in bank of $50,000 and my work is contracted out and on the move. Highly recommend
Reply from HFS Financial2026-07-13
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.
S
St · 1 review · Experienced 2026-07-05 ·
★★★★★
Poor Communication
Hello,
We have called our loan processor, Jasmine, several times and have not received a single callback. We are now into a two-week process, and our loan has been with underwriting for the past three days. Can someone please let us know how long underwriting typically takes and provide us with a status update?
The lack of communication has been extremely frustrating. We have been unable to get in touch with Jasmine despite multiple attempts, and at this point, the process has become more stressful than getting a mortgage.
We are paying over $1,000 to use HFS as our broker, and we expected a much higher level of customer service and communication. If Jasmine is unavailable, we would appreciate having another point of contact or speaking with a supervisor who can provide an update and answer our questions.
Please have someone contact us as soon as possible. Thank you.
Update Ref. ID: 1391547
Spoke to Daniel today 7/8 was told we would hear back from underwriter today. Well it’s 5:40pm cst so doubt that. It’s going on 3 days in underwriting when Daniel said today typically takes 24hrs
Reply from HFS Financial2026-07-08
We sincerely apologize for the frustration you've experienced and understand how important timely communication is throughout the loan process.
Unfortunately, we are unable to identify your application based on your review, so we cannot look into the status of your loan inquiry or address your concerns directly.
Please contact us at [email protected] and include your name and loan information so we can review your file, provide an update, and ensure your concerns are addressed as quickly as possible.
We appreciate the opportunity to assist you and look forward to hearing from you.
Update: Thank you for providing your reference ID. We have reached out to you directly with an update on your loan inquiry and our contact information. We look forward to assisting you further.
K
Kay · 2 reviews · Verified · Experienced 2026-07-07 ·
★★★★★
I would recommend
Great experience. Love the ability to play with the numbers to determine the payment terms (5,10,15years, etc.) to get to a monthly payment you are comfortable with. I also like the upfront transparency of the interest rate you qualified for. I would have rated HFS five stars if the loan process took less waiting time to process and the time it was in underwriting.
Reply from HFS Financial2026-07-13
We're thrilled to hear that you had a great experience and found value in the ability to explore different loan terms and payment options to find a monthly payment that fit your budget. Transparency is important to us, so we're especially glad you appreciated seeing your qualified rate upfront.
We also appreciate your honest feedback regarding the processing and underwriting timeline. We understand that waiting for a final decision can be challenging, and we're always looking for ways to streamline our process while still ensuring a thorough review for every application.
Thank you for choosing HFS and for sharing your experience. Your feedback helps us continue to improve, and we wish you all the best with your project and your new funding!
Everyone was so helpful and nice made it a great experience .It took just a few minutes to complete the application . Service was fast with a reply. The team was great help with customer service and communications .
I
Israel · 1 review · Verified · Experienced 2026-07-03 ·
★★★★★
Process was quick and easy
Process was quick and easy. Great communication throughout.
Better communication on loan information when things are missing.
Reply from HFS Financial2026-07-07
Thank you for taking the time to share your feedback. We appreciate you bringing this to our attention.
We're sorry to hear that our communication did not meet your expectations. We understand how important timely updates are, especially when additional information is needed during the loan process. Your comments have been shared with our team as we continue working to improve our communication and provide a better customer experience.
Congratulations on your funded loan. We appreciate the opportunity to assist you. We wish you the very best with your home improvement project.
They dont accept dual income. Which is u heard of and unethical.
They dont accept dual income. Which is unheard of and unethical.
Reply from HFS Financial2026-07-06
HFS is a lending platform that connects homeowners with lenders nationwide. Since each lender operates independently, underwriting guidelines, documentation requirements, and loan approval criteria may vary from one lender to another.
If you have any questions regarding your loan terms, funding details, or lender-specific requirements, please contact your lender directly for additional assistance.
Congratulations again and thank you for choosing HFS!
