No. Our pre-qualification form sends your information to our lending partners who will make a pre-qualification decision based on a soft-pull of your credit. When you continue to a lending partners website to finish and complete their application, in most cases the lending partner will use a hard-pull to make a final credit decision.
Having the home of your dream doesn’t always have to be just a dream. Finding the perfect home can be a difficult task which is why many people decide to improve their existing homes instead. In order to pay for their home improvements, many people turn to financing. Unsecured home improvement loans can be a great way to finance a home improvement project because they require no home equity, and can be taken out fairly quickly and easily.
Valley Home Renovations has partnered with the best home improvement lending partners to make it easy to finance a home improvement project! Simply fill out our quick pre-qualification form, receive instant offers from our lending partners, and select the best one. Then, continue to complete a few remaining steps on the chosen lending partner’s site. Upon approval, funds can be transferred directly to a bank account as soon as the next business day.
- Loans Up to $50,000
- No Down Payments
- No Prepayment Penalties
- No Equity Required
- 60 Second Loan Application
- Pre-Approvals in Seconds
FREQUENTLY ASKED QUESTIONS
Does filling out a pre-qualification form hurt my credit?
What do your lending partners look at to make their loan decision?
Our lending partners look at a range of criteria to come to their credit decision. Generally speaking, the factors that have the largest impact on the decision are income, current outstanding debt, and credit score / credit report information. Some lending partners may additionally look at an applicants education, job, or other factors to come to their loan decision.
How long until I have the funds?
Our lending partners look at a range of criteria to come to their credit decision. Generally speaking, the factors that have the largest impact on the decision are income, current outstanding debt, and credit score / credit report information. Some lending partners may additionally look at an applicants education, job, or other factors to come to their loan decision.
How long does it take to get approved?
After filling out our pre-qualification form, you will receive a response in seconds with pre-qualified offers from our lending partners. Full approval times can vary between our lending partners. In some situations, our lending partners may request verification documents in order to make their decision (ex. pay stub to verify income). In those cases, approval times are dependent on the applicant providing the requested documents.