Financing your project
Pre-qualify in minutes through either of our lending partners — Acorn Finance for $1,000 to $100,000 across 20+ lenders, or HFS Financial for up to $450,000 with no home equity required. Checking your options with either uses a soft credit inquiry and won't affect your credit score.
- Soft credit check
- Two lender platforms
- Up to $450,000
- No prepayment penalties
Two ways to pre-qualify
Acorn Finance
Compare offers from 20+ lenders in about two minutes.
- Marketplace of 20+ lenders — compare offers side by side
- Fixed-rate personal loans, terms typically 2–12 years (up to 20 for well-qualified borrowers)
- Funds as soon as one business day after approval
HFS Financial
Personal loans for larger projects — no home equity or appraisal required, terms up to 30 years.
- Personal loans up to $450,000 — no home equity, appraisal, or refinance
- Fixed rates, terms from 1 to 30 years
- Funds in as little as one business day; larger loans typically 3–7 days
Not sure which? Under $100,000, check both — it's a soft inquiry either way. Over $100,000, or want a longer term to lower the payment, start with HFS.
Which option fits your project
Remodels, repairs, exterior & outdoor work
Kitchens, baths, roofing, siding, windows, decks, pavers, flooring, painting, mechanical, basement finishes. A fixed-rate personal loan through Acorn or HFS: pre-qualify online, compare offers, and receive funds as soon as one business day after approval. Funds go to you; you pay ID Builder on the normal contract schedule.
Custom homes, large additions & ADUs
These are usually funded with a construction-to-permanent loan, HELOC, or cash-out refinance through your bank or credit union. HFS Financial also offers personal loans up to $450,000 that don't require home equity or an appraisal — an option for many additions and ADUs. We supply the line-item estimate, schedule of values, and draw documentation lenders require, and we can pair an Acorn or HFS loan with a bank loan to cover finishes, upgrades, or a funding gap.
Restorations & insurance gaps
After a fire, water, or storm loss, a personal loan through Acorn or HFS can bridge the gap while your claim is processed so repairs start now. We work directly with your adjuster.
What could this look like per month?
Illustrative estimate only, not an offer of credit. Your rate, term, fees, and approval are set by the lender and depend on your credit profile. For reference, Acorn Finance's published example (rates as of 6/14/2026): $10,000 at 8.94% with $0 fees, repaid over 84 months, is about $161 per month. Terms up to 20 years may be available to well-qualified borrowers.
Four steps from idea to funded
- 01
Free advice visit
We measure, design, and give you a firm line-item estimate.
- 02
Pre-qualify with Acorn or HFS
About two minutes online with either lender; a soft credit inquiry shows your options with no impact to your score.
- 03
Choose your loan
Compare offers and finish with the lender you pick; funds can arrive as soon as one business day after approval.
- 04
We build
You make one fixed monthly payment to your lender.
The facts, in one place
| Fact | Acorn Finance | HFS Financial |
|---|---|---|
| Loan amounts | $1,000–$100,000 | Up to $450,000 |
| Loan type | Fixed-rate personal loan | Fixed-rate personal loan |
| Terms | Typically 2–12 yrs (up to 20 for well-qualified) | 1–30 years |
| Checking your rate | Soft inquiry, no score impact | Soft inquiry, no score impact |
| Home equity / appraisal | Not required | Not required |
| Prepayment penalty | None | None |
| Origination fees | None over $40,000; some lenders 1–6% under $40,000 | Set by the lender, shown with your offer |
| Funding | As soon as 1 business day | As little as 1 business day; larger loans 3–7 days |
| Funds paid to | You | You |
Acorn Finance
- Loan amounts
- $1,000–$100,000
- Loan type
- Fixed-rate personal loan
- Terms
- Typically 2–12 yrs (up to 20 for well-qualified)
- Checking your rate
- Soft inquiry, no score impact
- Home equity / appraisal
- Not required
- Prepayment penalty
- None
- Origination fees
- None over $40,000; some lenders 1–6% under $40,000
- Funding
- As soon as 1 business day
- Funds paid to
- You
HFS Financial
- Loan amounts
- Up to $450,000
- Loan type
- Fixed-rate personal loan
- Terms
- 1–30 years
- Checking your rate
- Soft inquiry, no score impact
- Home equity / appraisal
- Not required
- Prepayment penalty
- None
- Origination fees
- Set by the lender, shown with your offer
- Funding
- As little as 1 business day; larger loans 3–7 days
- Funds paid to
- You
Available in WA, ID, MT and AZ · A hard credit inquiry happens only if you proceed with an offer · Acorn is not offered in Massachusetts.
Financing FAQ
Ready to see your options?
Book your free professional advice visit
Free estimate. Free 3D design model. Free on-site advice from the builder who prices the job. No obligation.
Financing is offered through Acorn Finance (Headway Sales Inc. DBA Acorn Finance, NMLS ID 1817022), a lending marketplace, and its network of lending partners. ID Builder Construction LLC is not a lender, does not make credit decisions, and does not charge you for this service. Checking your options uses a soft credit inquiry that does not affect your credit score; a lender will perform a hard credit inquiry if you choose to proceed with an offer, which may affect your score. All loans are subject to credit review and approval by the lender. Rates, terms, fees, and funding times are set by the lender, vary by credit profile, and may change without notice. Monthly payment figures on this page are illustrative estimates and are not an offer of credit. Acorn Finance is not available in Massachusetts.
Financing is also available through HFS Financial, LLC, a home improvement loan platform that connects borrowers with participating lenders. HFS Financial is not a lender.