Protect your home now. Pay over time.
Upfront cost should not be what keeps you from a wildfire defense system, home hardening, or Zone 0 work. Ember Pro partners with HFS Financial so you can inquire about personal-loan financing for an Ember Pro project, on approved credit (OAC).
Inquiring won’t impact your credit, per HFS
CSLB #1142407
- Personal loans with no home equity required
- Check your rate without impacting your credit
- Same-day prequalification, in minutes
- Funds may be available within 48 hours of approval
- Fixed rates, terms from 1 to 30 years
Why finance the work
Get the protection in place, then spread out the cost
Wildfire mitigation is easier to plan when you can start the work now and pay over time. That includes a wildfire defense system, retrofit and home-hardening upgrades, and the first five feet around the home — the ember-resistant Zone 0 area insurers and homeowners are paying more attention to. Documented mitigation can also support a stronger conversation with your insurance carrier. Results vary by property and policy, and financing is on approved credit.
Start the work now
Use financing, on approved credit, so a wildfire defense system, hardening, or Zone 0 project does not have to wait on a cash outlay.
The first five feet matter
Embers often reach a home through vents, mulch, or attachments in the first five feet. Financing can help you complete that Zone 0 and hardening work on a schedule that fits your budget.
A stronger insurance conversation
Carriers increasingly look at mitigation and documentation — vents, the first five feet, and hardening. We help you scope and record the work. We do not promise a premium change or a specific underwriting outcome.
How financing works
HFS Financial is Ember Pro’s financing partner. You inquire on the HFS Ember Pro page, review loan options if you prequalify, and — if a lender approves you — receive funds to use on your project. Ember Pro does not make the loan.
- HFS says an inquiry to check your rate will not impact your credit score.
- These are personal loans. HFS states they do not require home equity and do not affect the equity in your property.
- HFS describes the process as direct-to-consumer: loan proceeds are disbursed to you.
Not all applicants or projects will qualify. Terms are set by the lender, not by Ember Pro.
What you can finance
The HFS Ember Pro page is set up to finance an Ember Pro project. Depending on the lender’s program, that may include a wildfire defense system, retrofit and home hardening, Zone 0 and defensible space work, and fence work — HFS also lists fence financing among its home-improvement programs.
Availability depends on the lender and the program. HFS notes that products and services vary and are not available in every state or for every project type.
Terms published by HFS
Current figures from the HFS Ember Pro page
These terms come from HFS Financial’s Ember Pro inquiry page. They are not an offer from Ember Pro, and they can change. All financing is on approved credit. Not all will qualify.
How to apply
Four steps, handled by HFS and its lenders
The application is handled by HFS Financial and its third-party lenders, not by Ember Pro. HFS outlines these steps:
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Inquire for a loan
Start on the HFS Ember Pro page. HFS says this inquiry does not affect your credit and that you can get same-day answers.
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Get prequalified
Review instant loan options or speak with an HFS loan consultant.
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Verify
If you move forward, securely upload the documents requested for loan verification.
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Get your funds
HFS says loan proceeds may be available within 48 hours of approval.
Financing FAQs
Answers below reflect what HFS Financial publishes on its Ember Pro inquiry page, plus how Ember Pro fits into the process.
Who provides the financing?
Ember Pro partners with HFS Financial. HFS states that it is not a lender. An inquiry through HFS is a request for information about a potential loan from a third-party lender, under terms arranged between you and that lender.
Will checking my rate affect my credit score?
HFS states that inquiring or checking your rate through its page will not impact your credit score. A later full application, if you choose to proceed, may involve a credit review by the lender.
Do I need equity in my home?
HFS says these are personal loans with no home-equity requirement, no need to refinance or mortgage your home, and no appraisal as part of that process.
What rates and terms are available?
HFS currently states that programs have fixed rates as low as 7.8%, with terms from 1 to 30 years, and no prepayment penalties. Your rate, term, and payment depend on credit approval and the lender’s program. Not all will qualify. See the example APR disclosure below.
How much can I finance?
The HFS Ember Pro page shows loan amounts from $3,000 to $450,000, and currently lists 120% financing as available. Actual amounts depend on approval and program limits.
What Ember Pro work can this cover?
Depending on the lender’s program, you may be able to finance a wildfire defense system, retrofit and home hardening, Zone 0 or defensible space work, and fence work. Programs vary, and not every project type may qualify.
What if I still have questions about the work itself?
Book a free 10-point inspection or request a consultation. We can walk through the project scope, then you can inquire with HFS if you want to explore financing. Call (858) 939-9345.
Ready to protect your home?
Inquire with HFS to see financing options, on approved credit. Or book a free 10-point inspection and we’ll help you scope the work first.
Or request a consultation · Call (858) 939-9345 · CSLB #1142407
Financing is provided through HFS Financial and unaffiliated third-party lenders, not by Ember Pro LLC. All loans are subject to credit approval (OAC). Terms, rates, and availability can change without notice. Restrictions apply, and services may not be available in every state or for every project type. Not all will qualify.
HFS Financial is not a lender. Information you provide to HFS Financial is not an application for a loan from HFS Financial. HFS Financial does not endorse, warrant, or guarantee the services or products of any lender or broker, and does not guarantee rates, points, or loan programs offered by third-party lenders. Products and services vary based on the programs, limitations, and requirements of those lenders. An inquiry submitted to HFS Financial is for the purpose of obtaining additional information regarding a potential loan provided by a third-party lender under terms and conditions arranged directly between you and that lender, and conditioned upon completion of all credit documentation supplied by that lender. “APR” means Annual Percentage Rate.
Example from HFS Financial: a closed-end loan from a third-party lender for $60,000 with a fixed rate of 7.8% and an APR of 8.33% for a term of 20 years would result in 240 payments of $514.15, assuming the loan is not paid off early. Loan programs described on the HFS website have no prepayment penalties. Not all will qualify. NMLS and MD CSB #1680766.
Before seeking financing, you should choose the contractor that best meets your needs and review qualifications, licensing, insurance, pricing, and reputation. Ember Pro LLC is a California contractor, CSLB #1142407. Neither HFS nor any third-party lender guarantees contractor performance. For the current HFS terms and full disclaimer, visit the HFS Ember Pro inquiry page.