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Swimming Pool Financing: How Can I Get a Pool Loan in 2016?

Paying for a pool....Ok, so you've decided to get a pool. Obviously, I think that's a great idea. Notwithstanding, you're still going to have to pay for it somehow (in case you'd forgotten about that little part of it;-). But seriously, pool financing is an important point of discussion if you're getting ready to make such a purchase, and this article is meant to help you understand the task of pool financing and how it typically works for most homeowners.After having installed a little over 600 pools, our customers have paid for their swimming pools in a variety of manners. Some of the routes typically taken are:

Home Equity Line, Second Mortgage, Unsecured Loan, Out of Pocket(cash), Credit Card

2nd Mortgages/ Equity Lines

Of all listed, the most popular method has been 2nd mortgages and equity lines. As we all know too well, with the inflated housing numbers of the 2000s it was easy to get a mortgage for many years. In fact, I've seen many people get a 2nd mortgage literally days after buying their house. But for better or for worse, those days are over. The housing market dropped drastically in 2008 and 2009, causing many people to lose quite a bit of equity in their home. This drop in home values has affected pool financing in a variety of ways. To give you an example, I had multiple pool shoppers give me a deposit in 2009 only to later find out that there wasn't enough equity in their home to get the loan. For this reason, we now have most of our 2nd mortgage customers apply for a loan immediately after our first telephone conversation. This way, no one wastes time trying to decide on a pool and a pool contractor only to find out they do not have the necessary funds. A general rule of thumb for anyone considering a 2nd mortgage is that unless you've been in your house for more than 6 years, or unless you've established quite a bit of home equity in a short amount of time, it's highly unlikely you'll qualify for this type of loan (in other words, you won't have enough equity).
Unsecured Loans

For those persons that cannot get a 2nd mortgage or home-equity line, there is still hope. Unsecured loans do not require you to have equity built up in your home but you will need solid credit and you'll also pay a much higher loan rate than if it was a 2nd mortgage. For example, most mortgages right now have a loan rate of 4-7%, whereas most unsecured loans have rates in the 14-18% neighborhood. Also, most unsecured lenders will not lend more than $30,000, which means that many pool shoppers may need to come up with additional cash to afford their swimming pool. When searching for an unsecured loan, I suggest you follow this pattern:

1. Check with your local credit union, 2. Check with your local bank, preferably one you have a relationship with, 3. Check with a national company. For example, we at River Pools use a company called Lyon Financial.

Here are some other common questions I receive regarding pool financing: Q: Does your company offer in-house financing? , A: Pool companies do not offer true ‘in-house' financing. If they say they do, they're likely referring to an outside company that they work with., Q: Are second mortgages/home equity lines a tax write-off?, A: In most cases, Yes., Q: What are the max terms for a 2nd mortgage?, A: We've seen many companies go as high as 30 years fixed., Q: How long do loan approvals take when dealing with pool financing?, A: Most banks and financial institutions are able to do pre approvals almost immediately, but when it comes to 2nd mortgages, home appraisals can take up to a few weeks.

So there you have it folks. Hopefully, we will see more flexibility from the banks in 2016 compared to what we saw from 2014-2015. But if you're serious about financing a swimming pool purchase, start the process now and be sure to check all your options. Good luck!

Mobile Solutions

Our mobile maintenance service is a national network of skilled mobile engineers delivering a combination of planned and reactive maintenance services This resource has been specifically developed for geographically diverse customers, in particular, the retail sector with multiple high street stores across the world. The mobile maintenance solution offers cost effective, flexible solutions for smaller sites where a dedicated on-site maintenance presence is not required.

Healthcare

More than ever, today's healthcare providers must focus on what they do best: taking the utmost care of their patients. At us, we will do more than deliver the facilities management services you need to look after your people and premises. We will also help you savemoney, reduce risk and improve the appeal of your settings. We provide a comprehensive range of facilities management services for healthcare organisations. These include patient catering, staff and visitor catering, cleaning, logistics, property services - and integrated solutions for those requiring the cost-savings and convenience of a combined package of services.

Leading from the front We are committed to providing our customers with innovative solutions. For example, our catering services include 'a la carte' steam options for patients and 'High Street' quality retail choices for staff and visitors. What's more, our portering and logistics services feature the latest tracking and quality systems, while our car parking and security services were among the first to gain Security Industry Authority (SIA) accreditation. To show our support for your sector, we also play our part through such activities as sponsoring many NHS Trust Initiatives and are proud to be a Platinum Member of the Patients Association. Delivering a complete range of facilities services Every healthcare organisation's needs are different. So you'll be pleased to know we offer a complete range of services to match your unique demands, including: Cleaning, Catering Front of House Services, including switchboard, reception, porters, helpdesk and post room, Logistics (Transport), Estate Management, Retail Management, Mechanical and Engineering, Car Parking and Security, Linen and Laundry, Sewing - Room Services, Accomodation, Washroom Services, Supplies, Receipt and Distribution.

Bringing people and technology together 
We specialise in providing manned guarding services. To strengthen your security, we typically deliver these services alongside:

  • mobile security solutions
  • technology solutions - alarms, access control and surveillance cameras
  • physical security - fences, turnstiles and gates.

Delivering the assurance you need 
Our specialist security services will:

  • protect your assets and respond to your changing needs
  • improve cost-effectiveness by delivering improvements and innovations throughout the life of the contract
  • minimise and mitigate the risks to your organisation
  • enhance business continuity
  • ensure you comply with statutory regulations.

We specialise in:

  • Food and Hospitality -We create great environments and food solutions that improve the quality of our clients' and customers' lives
  • Healthcare - complete catering systems for hospitals and other NHS clients, including patient and visitor services
  • Education- bespoke solutions for pupils at schools and colleges
  • Defence - catering services for military establishments

is a leading provider of technology driven technical maintenance and energy management solutions The right environment is vital to the success of any organisation. It plays an important role in making sure your people are happy and safe and your operations are productive and cost-effective. At ISS, our experienced teams will deliver solutions to bring your buildings to life to help your people and business achieve their objectives.
We will manage everything on your behalf, continually maintaining your portfolio and seeking ways to reduce risks and costs. Your organisation can concentrate on its tasks, knowing we're working to ensure your buildings are safe and comfortable while your impacts on the environment are minimised.

Buy or lease your next car

Leasing, rather than buying a vehicle, can be a good option for some. If you lease, your monthly payments will be smaller than if you financed the purchase. Leasing, however, requires some contractual obligations, so it isn't right for everyone. To determine what makes sense for you, answer the questions below.
Compare Auto Insurance Quotes
The best way find the right car insurance at the right price is to shop around and compare auto insurance quotes. Experts recommend that you get at least three quotes from different insurers and look at them head to head. You want to compare car insurance rates, but price isn't the only important factor. Be sure to size up coverage levels, deductibles and discounts, too. When you're ready, start shopping!

Auto loan benefits
Whether you're buying a new or used car or want to refinance your car our comprehensive auto loan services and benefits can help steer you in the right direction.
We offer: Competitive auto loan rates. Access to funds in as little as 24 hours. Easy-to-use online auto loan calculators and payment tools. Multiple purchase types available including dealer, refinance and lease buyout. Our dealer network can help streamline the purchase process and get you in your car faster . Personal Loans & Lines of Credit A Personal Loan or Line of Credit will provide you access to the money you need to consolidate debt, make home improvements, to purchase or refinance boats, RVs, motorcycles and more. Regardless of whether you have collateral to use, or not, PNC can help find the best option for you.

Personal Installment Bank Loan

With no collateral required, you can borrow a specific amount of money at one time. and pay it back through regular monthly payments. Whether you want to consolidate high-interest rate debt, finance a major purchase, or pay for unexpected expenses, we can customize a loan for you
No collateral required. Regular, fixed monthly payments. No penalty for repayment in full at any time. Various Repayment Terms Available. Apply online, by phone or at a branch.
Personal Line of Credit
Be prepared for the expected and the unexpected with the flexibility of a Line of Credit, a ready source of funds that allows you to borrow what you need (up to your credit limit) when you need it. Personal Line of Credit offers the convenience and flexibility to help you meet life’s financial situations. You’ll enjoy easy access to a ready source of funds for recurring expenses, major life events, large purchases, or even unexpected expenses. Borrow what you need, whenever you need it without having to reapply. Get a credit decision in as little as 15 minutes, and access to funds quickly— often within 1 business day.