When you work with the experts at Aqua Pool to design your custom gunite pool, we will guide you through the process of choosing features that will deliver maximum value while staying within your budget. Opting for certain features, such as in-floor cleaning systems and variable speed pumps, can help you save time and money in the future. For instance, a self-cleaning pool will conserve chemicals by circulating them more efficiently and will remain in pristine condition at all times—thereby minimizing the costs and effort associated with pool maintenance.
We also offer flexible pool maintenance plans to help you care for your pool, no matter your needs and budget. Unless you are planning to pay for the entire cost of building your new pool upfront, you will probably want to explore options for financing.
At Aqua Pool, we are pleased to partner with Lyon Financial and Paramount Capital, two lenders that focus exclusively on swimming pool loans. Other benefits of utilizing our in-store financing options include:. Many home equity loans have a fixed interest rate and payment, so your monthly cost remains predictable. A home equity loan might have a lower rate than a home equity line of credit or personal loan, too.
The downside is that home equity loans, though cheaper than a full refinance, come with closing costs. And again, your house acts as collateral for the loan. So you could lose your home if you stop making the payments. If you prefer financing a swimming pool without tapping your home equity, you might apply for an unsecured personal loan. Getting funds with a personal loan is often faster than applying for a cash—out refi, HELOC, or home equity loan.
The downside is that personal loans have much higher rates compared to home equity financing. To save money on your loan, always compare interest rates among different lenders. This can help you find affordable pool financing. It can also be a smart idea when you do have enough cash for a purchase. Installing a swimming pool is expensive, and frankly, you might have reservations about spending a large chunk of your personal savings. Some people would rather keep their cash liquid and finance the purchase, if they can get a low rate and an affordable payment.
The actual cost varies depending on the type of pool, though. Personal loans have much higher interest rates than other types of financing. A cash—out refinance might be the best way to finance a pool if you can also benefit from refinancing your mortgage.
Refinance loans typically have the lowest rates compared to home equity loans and personal loans. For a fixed—rate and a fixed monthly payment, you can think about a home equity loan.
Shape and features. Like other permanent home additions, inground pools require a permit from the local building authority. You may also have to pay an inspector to locate potential sewer or utility lines before digging. Inground pools must be surrounded by a concrete sidewalk, or deck. The more elaborate your deck, the more it costs. A pool fence is an expense people tend to overlook when budgeting for a pool, though most local laws require one for safety, Mat Jobe, founder of PoolPricer.
Did your wallet just do a belly flop? Well, grab a floaty, because those are just installation costs. Because a pool increases the chance of someone getting hurt on your property, it will also increase the price of your homeowners insurance. Inground pools sometimes bump up property value; when it goes up, property taxes tend to follow suit. After installation, someone will need to clean the pool, balance chemicals and make repairs.
Add a heater, spa or waterfall and energy costs may climb even higher. Determine the goal. When considering a pool, set your sights on comfort and convenience, not resale value. Set a budget. Do your homework. I nground pools are a major construction project involving excavation, cement work, plumbing, electrical wiring and more.
Get estimates from at least three experienced swimming pool installation contractors and verify:. Quality of past work: Ask about previous projects that were similar to yours, including any issues that arose and final cost.
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