How to Finance Your Dream Pool
Most Charlotte homeowners finance pools. Here are your options.
Financing Methods
1. Home Equity Loan
- Rates: 6.5-9% (2026)
- Pros: Lower rates, tax-deductible interest
- Cons: Requires home equity, closing costs
- Rates: 7-12%
- Pros: No closing costs, quick approval, up to $250K
- Cons: Higher rates than home equity
- Rates: Variable, 7-10%
- Pros: Flexibility, pay interest only on what you use
- Cons: Variable rates, requires equity
- Rates: Depends on mortgage rates
- Pros: Potentially lowest rate
- Cons: Refinance fees, extends mortgage term
- Rates: 9-15%
- Pros: No home as collateral
- Cons: Highest rates, lower amounts
What We Recommend
For most: Lyon Financial or Home Equity Loan
Lyon specializes in pools, understands the industry, and offers competitive terms without closing costs.
Ready to start your project? Contact Blue Waters Construction at 704-312-POOL for a free on-site consultation. We'll assess your property, discuss your vision, and create a detailed proposal tailored to your goals.