Business ProfileforHome Smart Industries, LLC

Dear ******,
We truly value your feedback and are sorry to hear that youre unhappy with your experience. At Home Smart, we always aim for transparency and clear communication, especially when it comes to financing options, as we understand how important this is for our customers.

Regarding your specific situation, you signed your contract with Home Smart on April 8 and applied for financing that same day. Immediately upon signing the application, an email with approval and terms was sent to you and to Home Smart. We spoke with you on April 9, the day after you signed the contract and during this conversation, you confirmed that you understood the terms of your financing plan, which included 14 months of deferred interest with minimum monthly payments. Additionally, you stated in your review that you did not thoroughly read through the details of your loan.

To further clarify, I have included the financing approval email provided to us by the financing company, with sensitive information redacted for privacy. This would have been the same email you received.  Also, when a financing plan includes monthly payments, those payments start 30 days after the projects completion, and you would have received correspondence from the finance company to arrange that.

We understand that navigating financing terms can sometimes be complicated, and we encourage all our customers to thoroughly review any documents before finalizing agreements. If there was any misunderstanding, we sincerely regret the inconvenience this may have caused. Please feel free to reach out if you would like to further discuss your concerns or explore potential solutions.

Thank you for bringing this to our attention, and we hope we can work together toward a resolution.

Sincerely,
The Home Smart Team

Congratulations - Home Smart Industries LLC
Approved - Application No. (DELETED FOR PRIVACY)
Borrower(s): *************************
Primary Phone: (DELETED FOR PRIVACY)
Property Address: (DELETED FOR PRIVACY)
******************************
Credit Decision is valid for 120 days

**** Term:
**** Number: (DELETED FOR PRIVACY)
Sales Person: *************************
Total Sales Price: $15,550.00
Down Payment: $500.00
**** Amount: $15,050.00
Finance Program: WPDI - 14 Mo
Description: 14 Months, Deferred Interest with Minimum
Monthly Payments
**** Payment: $432.87
Term: 60 months
Rate: ***** %
Approval Date: 4/8/2024
Product Type: BATH TUB AND SHOWER SYSTEMS
**Max Credit Limit: $26,075.93
Dealer Terms:
Advance Rate: ******** %
Amount Paid to Dealer: $14,222.25
Discount Fee: ******* %
Stipulations: Please upload them directly on
our site by clicking here or you may email
them to **************** for faster
funding.
Copy of Work Order/Sales Invoice: (Required)
**Max loan amount the borrower may qualify for
under the existing program. Max **** amount is
based on the information provided in the credit
application. In order for the borrower to qualify
for the Max **** Amount illustrated, they may
need to meet other underwriting criteria. To
increase the loan amount, please contact Service
Finance at ************
This email confirms Application No: ******* has
been approved based on the terms listed above. If
there are any discrepancies, please call 866-254-
0497 x 4 or use the
DealerPortal. All approvals require an approved
Dealer Work Order and any loan requiring proof
of income must have the income documentation
approved prior to funding. The Dealer Credit
Decision is based on the information submitted
on the borrower's credit application. Service
Finance reserves the right to request and require
additional information, if the credit application is
found to contain inaccurate information.
If you have questions, please call ************