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  • Low, fixed rates — no variables
  • Terms up to 30 years*
  • Amounts up to $200,000*
  • Options for 640+ FICO scores*
  • Special military programs available†
  • No 3-6% consulting fees like other finance options charge
  • Unsecured loans — no equity or appraisals required
  • Partner with homeowner and builder until project completion

*PATIO ONLY NOT HVAC**

Available on approved credit, not all will qualify. Subject to change. Terms, amounts, and APR may differ based on loan purpose and credit profile. Conditions and limitations apply. Advertised terms are subject to change without notice. †State restrictions and limitations apply. Contact Lyon Financial for details.


We partner with Synchrony Bank to provide financing for your home comfort needs.  Your shade cover and heating and cooling system is an investment.  Today’s building materials and home comfort systems are more energy efficient than ever and with the proper system installation you could see considerable savings over the lifetime of the system.  Financing provides you with flexible programs and payment options. Patio and HVAC financing available

Call us today to start your application process, (209) 537-3542. You could be approved in as little as 5 minutes (O.A.C.)

Supporting Promotional Disclosure
Offer applies only to purchases made with your Synchrony Bank Credit Card. No monthly interest will be charged on promo purchase and fixed monthly payments are required equal to 4.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

Plan 930 (25 months)
No Monthly Interest If Paid In Full Within 25 Months
​ (Fixed Monthly Payments)

Equals to 4.00% Of Promotional Purchase Amount
On purchases with your Synchrony Bank credit card.  $29 account activation fee will apply.  Estimated payoff period 25 months.  See below for additional information.


A flexible solution for your heating and cooling problems.

  • Solve your HVAC problem today.
    • Often approves applications within minutes.
  • No credit requirement for AC financing.
    • We don’t use your FICO score to determine if you are eligible, meaning you can get HVAC financing even with bad credit.
  • Don’t compromise on HVAC repairs.
    • With financing amounts up to 20%2 of the value of your home, we can help you get the funds you need to do the job right.
  • HVAC financing with low, fixed rates.
    • Home Run Financing offers competitive fixed interest rates.
  • Set repayment terms that work for you.
    • With terms up to 30 years, no prepayment penalties, and multiple rate options, choose a repayment plan that fits your budget.