Powered By Our Partner HFS Financial
Home Improvement Financing
Don't let budget hold your project back. We've partnered with HFS Financial to offer simple, low-rate financing for every T&J Construction project — from small remodels to full room additions.
*Checking your rate will not affect your credit
You Dream It, We Finance It
Why Finance With HFS
Simple, Fast, Homeowner-Friendly
HFS Financial specializes exclusively in home improvement loans. That focus means better rates, faster approvals, and terms built for projects like yours.
No Stage Funding
Get your full loan amount up front — no waiting on draws or milestones.
No Equity Needed
Unsecured loans mean no home appraisal and no lien on your property.
Low Fixed Rates
Competitive fixed interest rates so your payment never changes.
Fast Approvals
Get pre-qualified in minutes and funded in as little as 24 hours.
No Credit Impact
Checking your rate is a soft pull — it will not affect your credit score.
Loans Up To $500K
Financing for projects of every size, from small remodels to full additions.
How It Works
Three Steps To Get Started
Get Your Estimate
Contact T&J for a free, no pressure estimate on your project.
Apply With HFS
Complete the quick online application — soft credit pull only.
Start Building
Get approved and funded, then we get to work bringing it to life.
Ready To Get Pre-Qualified?
Applying takes just a few minutes and won't affect your credit score. Or give us a call at 260-431-9543 and we'll walk you through it.