We’re Proud to be Featured in Deck Specialist Magazine. Check it Out!
We’re Proud to be Featured in Deck Specialist Magazine. Check it Out!
You already know what you want your backyard to look like. Financing makes sure the budget does not slow you down.
Kirchner Customs partners with two lending providers, HFS Financial and Acorn Finance, so you can choose the payment plan that fits your life. Pre-qualifying takes minutes, and a soft credit check means zero impact on your credit score.
Up to $325,000 in loan amounts
Up to 20-year terms with low monthly payments
Rates from 7.99% to 14.99%, depending on credit profile
120% funding available for project add-ons
HFS Financial pairs every borrower (on loans of $15,000+) with a dedicated loan consultant who walks you through the entire process. No automated phone trees, no guesswork. If your project scope grows during design, HFS can fund up to 120% of the original estimate, covering add-ons like an outdoor kitchen, pergola, or upgraded lighting without a second application.
For loans under $15,000, HFS offers 5, 7, and 10-year term options. The application process is handled via email rather than an assigned consultant, but you still get the same competitive rates and zero dealer fees.
No dealer fees. No prepayment penalties. Pay off the loan early whenever you want, with no extra cost.
Minimum to qualify ($15,000+): 620+ FICO | Debt-to-income ratio of 55% or lower
Minimum to qualify (under $15,000): 620+ FICO | Debt-to-income ratio of 35% or lower
Up to $100,000 in loan amounts
2 to 10-year terms
One application, multiple offers
Acorn Finance works differently. Instead of matching you with a single lender, Acorn sends your application to a network of lending partners. You get multiple pre-qualified offers side by side, compare rates and terms, and pick the one that works best.
It is a strong fit for homeowners who want to shop around quickly or for mid-range projects where a shorter repayment window makes sense.
1.
Talk to us first
Schedule a consultation so we can scope your project and give you a clear estimate.
2.
Pre-qualify in minutes
Apply through HFS Financial or Acorn Finance. The soft credit check will not affect your score.
3.
Pick your terms
Review your offers, choose the rate and timeline that fit your budget, and lock it in.
4.
We build; you pay monthly
Your project moves forward while you spread the cost into predictable payments.
Best for: Larger projects with longer repayment needs
Loan amounts
Loan amounts: Up to $325,000
Terms: Up to 20 years
Standout feature: 120% funding + dedicated loan consultant
Soft credit check: Yes
Best for: Comparing multiple offers quickly
Loan amounts: Up to $100,000
Terms: 2 to 10 years
Standout feature: Side-by-side offers from multiple lenders
Soft credit check: Yes
No. Pre-qualification through HFS Financial and Acorn Finance requires only a soft credit pull, which does not affect your score. A hard inquiry happens only after you formally accept a loan offer.
HFS Financial requires a minimum FICO of 620. For loans of $15,000 and above, your debt-to-income ratio must be at or below 55%. For loans under $15,000, the debt-to-income threshold is 35% or lower. Acorn Finance works with multiple lenders, so requirements vary, but 620 or higher gives you the widest range of offers.
HFS Financial offers 120% funding, meaning your loan can cover cost increases from design changes or added features without a separate application. With Acorn Finance, you would need to apply for additional funding if your project exceeds the original loan amount.
No. Neither lender charges prepayment penalties. You can pay down or pay off your balance whenever you want.
Yes, and we recommend it. Knowing your approved amount gives you a realistic budget to work with during the design phase, which keeps the entire process smoother.
Pre-qualification takes just a few minutes with either lender. Final approval timelines depend on loan size and the specific lender, but most homeowners have a decision within a few business days.
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Written by Kirchner Customs, trusted deck experts in the Greater Atlanta Area.