Financing
Build the Backyard Now. Pay for It Over Time.
A pool, patio, and landscape build is a real investment, and most of our clients would rather keep their savings where they are. We work with a home improvement lending partner so you can see what you qualify for in about a minute, without a hard credit pull and without borrowing against your home's equity.
- Custom & Luxury Pool Builds
- Veteran-Owned & Operated
- Licensed & Insured
- 5-Star Google Rated
- Serving Tucson & Southern Arizona
HFS Financial home improvement loans
HFS Financial arranges unsecured home improvement loans that fund directly to your checking account, so you pay for your project the way a cash buyer would. There is no equity requirement, no appraisal, and no stage funding tied to construction milestones.
Checking your options opens HFS Financial in a new tab. Financing is subject to credit approval and not all applicants will qualify.
Soft credit inquiry
Viewing your offers uses a soft credit inquiry, so checking what you qualify for does not impact your credit.
Fixed rates as low as 7.8%
Rates are fixed, so the payment you agree to is the payment you keep. The lowest advertised rate goes to the strongest credit profiles.
Terms up to 30 years
Longer terms spread a large backyard build across a smaller monthly payment.
Loans up to $450,000
Enough headroom for a full pool, hardscape, and landscape build on one loan rather than several.
No prepayment penalties
Pay the loan down early or in full without a penalty for doing it.
No dealer fees
Sorce is not paid a dealer fee on your loan, and no dealer fee is added to your project price.
620 minimum credit score
A 620 score is the minimum to qualify. Meeting the minimum is not an approval on its own.
How HFS Financial works
HFS Financial: You Dream It, We Finance It
Four steps, start to funded
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Submit your inquiry
Open the Sorce financing link and complete the inquiry. It takes about a minute.
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See your terms, credit untouched
HFS runs a soft credit check, so there is no impact to your credit to get your loan terms.
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Review your loan terms
Once conditionally approved, you are presented with loan terms within 24 hours.
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Funds reach your account
Once fully approved, the full loan amount funds directly to your checking account, so you move forward as a cash customer.
Who qualifies
- Residential loans only, on a primary residence or a second home.
- The property must be owned in the homeowner’s name. Properties held by an LLC or a trust are not eligible.
- Co-applicants must live in the home but do not need to be on title.
- Homeowners must be able to verify homeownership, income and employment, and identity.
NMLS and MD CSB #1680766. HFS Financial is not a lender or a broker. The information you provide to HFS Financial is not an application for a loan from HFS Financial. HFS Financial does not endorse, warrant, or guarantee service or products of any lender or broker, and does not guarantee or make any representations of any rates, points, or loan programs offered by affiliates. This is not an advertisement for credit as defined by 12 CFR 1026.24. All information is subject to change without notice. Not all applicants will qualify.
HFS program details current as of July 2026. Rates, terms, and program details are set by HFS Financial and its lending partners and are subject to change without notice.
FAQ
Financing Questions From Tucson Homeowners
Does checking my financing options affect my credit score?
No. HFS Financial uses a soft credit inquiry to show you what you qualify for, so there is no impact to your credit to view your loan terms.
What credit score do I need to qualify?
The minimum qualification through HFS Financial is a 620 credit score. Meeting that minimum does not guarantee approval. Every lending decision is made by the lender, not by Sorce Signature Outdoors.
How much can I borrow for a backyard project?
Loan amounts run up to $450,000 through HFS Financial, with fixed rates as low as 7.8% and terms up to 30 years for qualified applicants. That range covers everything from a single hardscape phase to a full pool, patio, and landscape build.
Are there dealer fees or prepayment penalties?
No. There are no dealer fees and no prepayment penalties on HFS Financial home improvement loans.
Do I need equity in my home?
No. These are unsecured home improvement loans, so there is no equity requirement, no appraisal, and no stage funding tied to construction milestones.
How long does the process take?
The inquiry takes about a minute. Once you are conditionally approved, HFS presents your loan terms within 24 hours. Once fully approved, the full loan amount funds directly to your checking account.
Does Sorce Signature Outdoors lend the money?
No. Sorce Signature Outdoors does not originate, underwrite, or service loans. Financing is arranged through third parties, and all rates, terms, and approval decisions are made by the lender.
Sorce Signature Outdoors Co. does not originate, underwrite, or service loans and is not a lender or a broker. Financing is arranged through third-party providers, and all rates, terms, and approval decisions are made solely by the lender. Financing is subject to credit approval and not all applicants will qualify. Program details shown on this page are provided by the financing partner and are subject to change without notice.
Ready To Price Out Your Backyard?
Tell us about the project and we will put a real number in front of you. Once you have that number, you can decide whether to pay outright or finance it. Our team reaches out within one business day.