HFS Financial Integration
Sell the monthly payment, not the sticker price
Show homeowners what their pool or remodel costs per month — calculated from HFS Financial's live rates — right on the proposal, in the email, and on the PDF. One click takes them to check their rate.
HFS Financing
As low as $494/mo · 8.33% APR
$60,000
7.61% rate · 8.51% APR
$716/mo
7.80% rate · 8.33% APR
$494/mo
9.27% rate · 9.72% APR
$495/mo
Illustrative example. Estimates only — not a loan offer. Subject to credit approval.
How it works
From enrollment to payments on every proposal in four steps.
Enroll with HFS
Sign up as an HFS contractor partner and get your partner apply link.
Turn it on
Open your location's Integrations tab, switch on HFS Financial, and paste your link.
Pick where it shows
Choose proposal pages, emails, and PDFs — and which terms homeowners see.
Sell the payment
Every proposal now shows what the project costs per month, with a link to check their rate.
Financing that arrives with the proposal
Homeowners see estimated payments the moment they open your proposal — in the email body and printed on the PDF — with a button to check their rate in about a minute.
- Payments calculated for the exact proposal total
- Check My Rate button uses your HFS partner link
- APR and disclosure on every estimate
- Turn it off for any single email
Hi Sarah, your proposal is attached. Here are a few ways to make it work for your budget:
Financing options
Estimated monthly payments for $60,000 through HFS Financial.
*Estimates only, not a loan offer. HFS Financial is not a lender. Your contractor and Ardovia are not lenders…
Payments printed right on the proposal
A clean Financing Options section prints after your proposal content, so the monthly payment travels with every PDF you download, print, or send for signature.
- Only the terms you choose
- Clickable apply link in the PDF
- APR and disclosure included automatically
- Hidden below your minimum project size
Blue Water Pools
Proposal · Page 4
Financing Options
Estimated monthly payments for $60,000 through HFS Financial.
| Term | Est. payment* | APR |
|---|---|---|
| 10 years | $716/mo | 8.51% |
| 30 years | $495/mo | 9.72% |
Check your rate: apply.hfsfinancial.net
*Example only. Estimates are not a loan offer and depend on credit approval. HFS Financial is not a lender…
You decide how financing is presented
Each location chooses where financing appears, which terms homeowners see, and a minimum project size — so a service call never shows a loan pitch.
- Proposal pages, emails, and PDFs toggled separately
- Shortest, middle, and longest term choices
- Minimum amount to show financing
- Live preview before you save
HFS Financial
Homeowner Financing · Austin location
Where financing appears
Terms customers see
Everything the integration does
Live HFS rates
Payments are calculated from HFS Financial's current rate matrix, refreshed automatically — never a stale rate sheet.
Proposal & contract pages
Your team sees every available term for the project total, adjusts the amount financed, and copies a payment summary in one click.
Proposal emails
Add estimated payments and a Check My Rate button below your message — on by default per location, with a per-email switch.
Proposal PDFs
A clean Financing Options section prints on the proposal document, with the apply link and disclosure.
Choose your terms
Show homeowners the shortest, middle, and/or longest available term — whichever fits how you sell.
Built-in disclosures
Every estimate travels with its APR, term, and a plain-language disclosure that it's an estimate, not an offer.
Frequently asked questions
What is HFS Financial?
HFS Financial is a homeowner financing marketplace that matches homeowners with lending partners for pools, remodels, roofing, solar, and other home improvement projects. HFS publishes loan amounts up to $450,000 and terms up to 30 years.
What does the integration do?
It turns your proposal total into estimated monthly payments using HFS Financial's current rates. Payments can appear on your proposal and contract pages, in proposal emails, and on the proposal PDF, along with a link for the homeowner to check their rate with HFS.
Are the payments a loan offer?
No. They're estimates based on HFS's lowest published rates for the amount and term. The homeowner's actual rate, APR, and payment depend on credit approval and lender terms. Every estimate is shown with its APR and a disclosure saying so.
Does checking a rate affect the homeowner's credit?
According to HFS Financial, checking a rate uses a soft credit inquiry that doesn't affect the homeowner's credit score. Completing a loan may involve a hard inquiry.
How does HFS know the customer came from me?
When you enroll, HFS gives you a partner apply link. Paste it in your location's HFS settings and every apply button and link Ardovia generates uses it, so applications are credited to your company. Before you enroll, links go to HFS's standard application page, tagged as coming from Ardovia.
Is my company or Ardovia the lender?
No. Neither your company nor Ardovia is a lender or loan broker, and HFS Financial isn't a lender either — HFS's lending partners make every credit decision. Funds go to the homeowner, and you can keep accepting cards, checks, and other payments as usual.
Payment examples on this page are illustrative and are not current rates or a loan offer. HFS Financial, LLC (NMLS #1680766) is not a lender; financing is provided by HFS's lending partners, subject to credit approval, and not all applicants qualify. Ardovia is a software provider and is not a lender, broker, or party to any loan. HFS Financial and its logo are trademarks of HFS Financial, LLC.
Ready to make big projects feel affordable?
Turn on HFS Financial and put a monthly payment on every proposal you send.
14-day free trial • No credit card required