Financing Application

At California Pools, we know that a pool is an investment — in your home and in your family’s lifestyle. That’s why we offer pool funding options to help make your dream pool affordable.

California Pools & Landscape’s financial strength has enabled us to build exceptional relationships with financial institutions across the Valley. We have numerous unsecured and secured loan products available to you. How can we help make your dream backyard a reality today?

Funding Your Backyard Dream
Mortgage Financing For Your Pool

Secured Second Mortgage Pool Loans

  • Second mortgage pool loans offer lower monthly payments, minimal closing costs, no pre-payment penalties, fixed rates, and the interest can be tax deductible. Payments on a 15-year $35,000 secured loan would be as low as $315 per month! Currently, these 15-year secured pool loans have an interest rate from 7%.  For those customers who have substantial equity in their homes, these rates can be even lower.  Our specific lenders will loan up to 115% – 130% loan-to-value, so little to no equity is required for these specific programs.  Typically, the maximum loan amount is $150,000.

These loans require at least a 660 Experian FICO credit score as well as a 40-42% debt to income ratio that includes the pool payment.  Foreclosures need to be at least 4 years old and short sales over 2 years old. Proof of all income will also be required.

Apply today!  The first step in the loan process is to fill out the online application below.  Please feel free to call our finance manager at 480-756-7085 if you would like to discuss our finance programs in more detail.

California Pools & Landscape charges no fees to help you finance your backyard.  We offer this service to our customers so they have an affordable way to make their dream yard a reality.
Please note that rates and terms can change without notice.

Unsecured Pool Loans

  • Unsecured pool loans are personal loans that are not tied to the equity in your home and offers an affordable alternative to a secured second mortgage loan. For example payments on a 15 year $35,000 unsecured loan would start at $305 per month.  For very well qualified buyers unsecured loans can start at 5-6% range depending on the length of the loan.  Unsecured loans require higher FICO credit scores than secured loans as the approval is based solely on the applicant’s credit profile and not secured by an asset like a house.

Apply today!  The first step in the loan process is to fill out the online application below.  Please feel free to call our finance manager at 480-756-7085 if you would like to discuss our finance programs in more detail.

California Pools & Landscape charges no fees to help you finance your backyard.  We offer this service to our customers so they have an affordable way to make their dream yard a reality.

Please note that rates and terms can change without notice.

Including your project cost into your home's mortgage

  • One of the most commonly used payment methods by our clients for their outdoor living environment is to include this cost with the purchase of their home. By including the project price into the first mortgage, it provides the simplicity of having the cost rolled into one payment.  This is not only convenient but also reduces the monthly cost of owning the backyard of your dreams.

When including the pool, spa, landscape and/or ramada into your home purchase, there a few things we like to make our clients aware of.

Lenders will allow the closing of a home and our clients to move in while our work is still to be completed.   This often happens as many homebuilders will not allow you to start construction on your outdoor living environment during house construction without a large financial deposit to the homebuilder.  When lenders see there is work to be completed on a home site at closing, they will ask for that remaining sum of money be placed in an escrow account to be dispersed upon an inspection of the completed work.  They will also ask that a client place an additional 50% of that sum be placed in the escrow account as a show of good faith that the work will be completed promptly.  This is called a mortgage holdback. Clients are typically not made aware of this additional deposit until they are asked for it at the signing of the closing documents for the new home.  This results in clients looking for assistance with the last minute funds needed to complete the closing of the home.  Many construction companies are not in a financial position to assist their clients with the holdback.  Some companies will only supply the holdback funds for a large fee.  California Pools & Landscape will place any holdback up to 50% for our clients at no additional fee or hassle.  Another reason to contact California Pools & Landscape to design your dream yard today!

Lenders will typically only accept one agreement for outdoor living environments to be included in their home mortgage.  This often leads to clients coming out of pocket for portions of their pool, spa, landscape and/or ramada.  California Pools & Landscape is properly licensed, bonded, and insured as a complete outdoor living construction company.  This means we can include all of your front and backyard needs into one straight forward contractual agreement.

Already Have Your Funds Lined Up?

Wonderful you are one step ahead to enjoying your new backyard! California Pools & Landscape accepts progressive payments throughout the major phases of pool construction (excavation, shotcrete, deck, and interior). Landscape and remodel clients will have their progressive payment schedule detailed on their contract documents as the scope of work with vary from project to project. A simple $1000 deposit that goes towards your account balance is all that is needed to start the permit and engineering process. Are you ready to build? Contact us for a consultation today!

Want To Pay By Credit Card?

We can do that too! California Pools & Landscape accepts all major credit cards including American Express. Please note that all credit card payments will incur a 3% processing fee. The initial $1000 deposit is excluded from this fee.

Have Questions?

Call our finance manager, Nicole Shoppach, at 480-756-7085 or email nshoppach@calpool.com.

THIS NOVEMBER,
MAKE TIME TO UNWIND!

Soak away the stress with off-season pricing on pools, spas, landscapes, outdoor structures, and pool remodeling. We’ve got everything you need to relax after the holiday hustle – don’t miss our month-long specials on all the essentials! Get in touch today and fall in love with your backyard.