See what you qualify for. Without affecting your credit.
Flexible monthly financing for your remodel through HFS Financial. Pre-qualify with a soft credit check in about a minute. No dealer fees, no prepayment penalties, and no home equity required.
Financing that funds the project, not the fees.
Soft credit pull to pre-qualify
See what you qualify for before it ever affects your credit score. No hard inquiry to get your number.
No dealer fees
The amount you finance goes to your project, not to markups or origination fees.
No prepayment penalties
Pay the loan off early whenever you want, with no penalty for doing it.
Funding built for projects
Loan amounts up to $325,000, with financing available up to 120% of your approved amount, so your budget covers the full scope plus a cushion. No home equity required.
See your project as a monthly number.
Move the slider to your project size and pick a term to see an estimated monthly payment. When you are ready, pre-qualify to see your real rate without affecting your credit.
Term
Illustrative rate of 7.80% APR for qualified buyers. Longer terms are available on projects of $15,000 and up.
Estimated monthly payment
$288.41/mo
- Amount
- $35,000
- Term
- 20 years
- Rate
- 7.80% APR
Estimate only. Your actual rate and payment depend on credit approval.
Three steps. About a minute to start.
See what you qualify for
Start a soft-pull pre-qualification. It takes about a minute and does not affect your credit score.
Review your options
Compare real terms and monthly payments. For projects of $15,000 and up, a dedicated HFS loan consultant walks you through it.
Fund your project
Once approved, funds are available quickly so your Sage project can move forward on schedule.
Terms that match your project size.
Projects $15,000 and up
Most Projects- Rates as low as 7.80% for qualified buyers
- Loan amounts up to $325,000
- Financing up to 120% of your approved amount, a built-in cushion
- No home equity required
- Terms up to 30 years
- Low monthly payments
- No prepayment penalties
- No dealer fees
- A dedicated loan consultant guides you through the process
- Qualify with a 640+ FICO and a DTI of 55% or lower
Projects $14,999 and below
- Terms of 5, 7, or 10 years
- No prepayment penalties
- No dealer fees
- Qualify with a 640+ FICO and a DTI of 35% or lower
- Streamlined online process handled by email
A guided experience, not a link and a shrug.
Most contractors hand you a financing link and disappear. On projects of $15,000 and up, you get a dedicated HFS loan consultant who walks you through every step, and Sage coordinates the handoff so your financing and your build move together. One team, from your first question to your final walkthrough.
A dedicated loan consultant
For projects of $15,000 and up, a real person guides you through pre-qualification, options, and approval.
A coordinated handoff
Sage lines up your financing timeline with your project schedule, so funding is ready when the work is.
One team to the finish
You are never bounced between a lender and a builder. Sage stays with you from financing to closeout.
How HFS financing works.
We also work with additional lending partners.
HFS Financial is our primary financing platform. When it fits your situation better, we can also connect you with additional partners for more flexibility.
Hearth
Multiple lender offers in one place, so you can compare terms and pick the structure that fits your budget.
Acorn Finance
Personalized offers from a network of lenders with a soft credit check and no impact to your score.
Ready When You Are
Find out what you qualify for.
It takes about a minute and will not affect your credit score. Then bring your number to your Sage project.
Financing is provided by HFS Financial and its lending partners, not by Sage Intelligence. All financing is subject to credit approval. Rates and terms shown are for qualified buyers and are subject to change. Rate as low as 7.80% for qualified buyers. This is not a commitment to lend. Sage Intelligence is not a lender or a financial advisor.