Yes, the applicant must be listed as the owner of record on the deed to the property where the fence is to be installed.

Lyon Financial is a respected financing consultant, in business since 1979. Through our exclusive lenders, we offer financing solutions for home improvement projects nationwide. Once your application is received, it is reviewed individually by a member of our loan team, who will work to pair you with the program that best matches your needs and qualifications. We also stay involved with you and your fence contractor throughout the project, and pay your fence contractor directly in stages as work progresses. We offer long-term loans with low rates, catered for home improvements. Our loan options are unsecured, meaning there are no appraisals or equity required.

There are no prepayment penalties so you can pay the loan off early and not be charged any additional interest.

Lyon Financial looks at your overall credit health, including your credit score and debt-to-income (DTI) ratio. Ideally, we like to see a DTI of 50 percent or less (including the amount of the loan you're requesting). We also look for any recent negative marks, such as bankruptcies or tax liens. We are able to offer financing solutions for most applicants with a credit score of 640 and above. There is a minimum credit score of 640 required; however, it is not entirely credit score driven. The underwriter will review your entire credit profile, past payment performance, and experience with large secured and unsecured loans. All loan decisions are at the discretion of our lending partners.

Once we receive your application, we can typically have a conditional approval for you within 1-2 business days. A member of our loan team will personally review your application, ensuring you are paired with the best program for your needs and qualifications. We then reach out directly to you and go over the details and next steps in the loan process. Of course, our friendly and knowledgeable specialists are always just a quick phone call away to provide updates or answers to any questions you may have.

Most fundings involve paying the fence contrator directly, according to the progress of the project. This ensures that the contractor is receiving the appropriate payments in the appropriate increments.