HFS Financial Reviews

Tammy Zello 2025.12.15

     

Ok, we have been looking at hot tubs for a while now! We went out again over Thanksgiving and found the one! Brandon (owner) spent a lot of time with us and remembered us from a previous visit when they were set up at the Outlets in Hagerstown. He took great care of us from start to finish. They delivered it on Saturday, these guys were great even putting up with me having my tape measure out to ensure each side was exact center of the room, lol! They took our old one when they left, so that was huge to not have to deal with that! If your looking for great service and a great price you can't beat Hub City Hot Tubs in Hagerstown MD near the Valley Mall!!!

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Angie Scoma 2025.12.08

     

We recently purchased a home as out-of-state buyers, and FirstTrust Home Loans made the entire process seamless. Hunter kept us informed at every step and was incredibly communicative. We couldn’t recommend them more. Thank you all so much!

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Cynthia Mcgaha 2025.12.06

     

Dana Beverly did an amazing job answering all my questions. After our call I had an additional question so I emailed her thinking it might take 24-48 hours for her to get back to me, to my surprise she answered within minutes! Great service! Thanks Dana!

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Kay Payne 2025.12.05

     

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M Vargas 2025.12.02

     

I was a stranger to Doni Grossman, Sales Director at HFS and he was incredibly accommodating to our work schedule which is crazy! He answered all of our questions and concerns and put us at ease on the process. Ladeana Cochrane made the process very easy and painless, was very communicative and patient. HFS will be my go to for my next home improvement project!!! Thank you!

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Tania Lynne 2025.11.20

     

I applied for financing with HFS Financial because they advertised a competitive interest rate. What they didn't disclose upfront: their entire business model requires contractors to sign up as vendors in their system before funding can happen. This crucial detail was never mentioned during my application process. I waited weeks while they "processed" my application, only to discover they were actually trying to recruit my contractor as a vendor—using my pre-approval as leverage. When the contractor (understandably) questioned this arrangement, the HFS rep told them I "probably wouldn't want to fill out another credit application" elsewhere. Translation: pressuring the contractor to sign up by implying they'd lose my business. Meanwhile, I'd already been approved by another lender in less than 48 hours. What should have happened: HFS should disclose upfront that they require contractor enrollment before customers waste time applying. Instead, they use customer pre-approvals as sales tools to recruit contractors. The irony: Their website literally says "With HFS Financial, you don't have to worry about wasting your time." I wasted weeks. My contractor was blindsided by a vendor recruitment pitch disguised as loan verification. And I learned about their actual process from my contractor, not from HFS. If you're considering HFS: Ask upfront whether your contractor is already enrolled as an HFS vendor. If not, expect your "financing application" to become a contractor recruitment tool. Transparency matters. This wasn't it.

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Drew Estaver 2025.11.19

     

Can I give Alexis Simpson, Senior Loan Processor, 10 Stars? She most certainly deserves them. Excellent guidance throughout the process, offering very timely responses to my inquires, and supplying many updates on the loan qualification progress. Many thanks to her for substanialy assisting in compiling the infomation that lead to the pre-approvial of the loan. The HFS Internet Portal is very well designed and easy to navigate.

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Preston Eady 2025.11.14

     

Kathryn was easy to work with. Fast and easy process.

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Dan Witmer 2025.11.04

     

Dana Beverly made the decision making process easy. She was willing to go beyond her normal duty hours and interact with me via email on the weekend. A rare trait in the industry today.

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E Fenway 2025.11.02

     

The literal easiest process ever. The money was in my account 7 days after I started the process. So awesome! Trish O was awesome!!!!!!

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G R 2025.10.25

     

Be careful. They ask for the world everything but blood type. Not that serious!! No star

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Reply from HFS Financial 2025.10.27

Since we are unable to identify this user based on their Google name of "G R", we can respond with the following:
Our normal process is for consumers to allow for verification of Income, Identity, Homeownership, Bank Account, and Proof that the Home Improvements will occur.
The majority of that is done in a few minutes after the consumer accepts their loan offers.
If there are any questions we can assist with relative to your loan inquiry with HFS or to help better identify if you have a loan inquiry with HFS, please contact us at 800-254-9560 or info@hfsfin.com.

Thank you.

Derek VanGemeren 2025.10.25

     

My wife and I had a great experience with HFS. Marisa, Blake, and Ladeana made the application/approval process very smooth.

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Jerri Artis 2025.10.19

     

Ms. Beverly was very helpful and provided information that will assist me in the future. Thanks again for taking the time out to speak with me.

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Jason Meixel 2025.10.18

     

Dana was pleasant and answered all my questions without hesitation!

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Cat Jones 2025.10.16

     

Patterson landscape did an amazing job on our waterfall and new gazebo.

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Troy Turner Sr 2025.10.10

     

Start to finish, process was smooth and easy. Amanda and Tracey were easy to work with and kept me updated on my status. All in all maybe a week total from pre-approval to funding. Good rates too.

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Columbia Guy 2025.10.08

     

Worked with Dana Beverly. Process is very straightforward and the rate and terms for this much money unsecured is quite generous.

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Justin Willis 2025.10.06

     

It was a pleasure working with Bill E, Cindy F, and Ladeana C. They were great with communication and were prompt with their responses. Would recommend anyone to work with HFS financial! Glad we will be able to work on our brand new home!

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maribelrdh 2025.09.30

     

Nope! Rude loan agents. The agent mansplaned and wouldn’t let me get a word in edgewise. Hard pass.

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Reply from HFS Financial 2025.10.01

Hi,

We are not able to locate a loan inquiry under the google username on this account. If you can provide more information to info@hfsfin.com such as the email address and/or HFS ID # we would like to better understand the situation and how we can assist.

brandon hoskins 2025.09.30

     

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Reply from HFS Financial 2025.10.01

Hi,

We are not able to locate a loan inquiry under the google username on this account. If you can provide more information to info@hfsfin.com such as the email address and/or HFS ID # we would like to better understand the situation and how we can assist.