We provide 30, 20, 15 or 10 year fully amortized loans and offer low Fannie Mae conforming conventional fixed interest rates. Are you interested in adding a pool to your property? A: We work across the 48 contiguous states of the United States. CONTACT 941-371-2252. Vikings vs. Lions odds, line, spread: 2022 NFL picks, Week 14 A HELOC is basically like a second mortgage on your home; it uses your home equity as collateral, which gives lenders some security if you default on the loan. You'll feel like the valued customer you are. Concord Pools partners with Viking Capital to offer highly desirable financing options. Exactly the way it should be. A higher credit score indicates to lenders that youre a lower-risk borrower and more likely to repay your debt on time. You can be confident thats what youll get with LightStream, because we back our low rates with our Rate Beat Program. How much can you afford to borrow? However, there are lenders who specialize in loans for people with less than perfect credit. Assessing an applicants credit history can help lenders minimize risk by weeding out potential customers who have struggled to keep up with debt in the past. . The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. Viking Capital, Inc. Jul 2022 - Present10 months Marketing Director Lyon Financial May 2015 - Jul 20227 years 3 months Lyon Financial specializes in financing solutions for swimming. to our Military Families. Some of the best pool loan providers offer discounts that help eligible customers lower the total cost of their loan and owe less on their monthly payments. Another option is a home equity line of credit (HELOC). Our Pool Loan Calculator is a great resource for exploring potential monthly payments, and can be accessed by clicking "Loan Calculator," located in the black bar, towards the top center of the page. Your credit score is one of the most important factors lenders will consider when determining whether or not to approve your loan application. We also considered the terms of the loans themselves, determining whether the funding time frames and loan lengths would fit the needs of homeowners looking to finance a pool installation or would potentially cause issues for them instead. Taking advantage of this network can also help customers spend less time searching for one of the best pool installation companies. Lyon Financial acts as an Account Manager and is not a lender or a broker. Viking Capital, Inc. - Home - Facebook For many people, taking out a loan to finance the purchase of a swimming pool is a great way to enjoy all the benefits of having a pool without having to pay the entire cost upfront. You should also look at things like fees (origination fees, prepayment penalties), repayment terms (how long do you have to pay back the loan? !You have a new customer for life! We hope this tool helps you finance your new Viking pool! 65,000 at 12 years at 7.99% This loan is our most popular because it offers excellent terms, is okay for people with special* circumstances and includes staged funding, where payments are made in installments as the pool is built. We are proud to offer these great loan options What is a Bad Credit Score? JACKSON POOLS ALL RIGHTS RESERVED. FICO score of 850 required for 4.99% APR. If you would like to learn more about the products or services offered by Concord Pools & Spas, please fill out and submit the form to contact our sales department. They offer financing for all credit types, including those with bad credit. Once your application is received, it is reviewed individually by a member of our loan team, who will work to pair you with the program that best matches your needs and qualifications. Although some companies may charge lender fees like origination and application fees, the single largest expense borrowers will pay on a pool loan is interest. Generally, youll need a credit score of 620 or higher to qualify for pool financing. ), and whether or not the lender offers flexible repayment options (like making extra payments without penalty). The disadvantage is that if housing prices fall and your homes value decreases, you could end up owing more than what your home is worth (known as being underwater on your mortgage). Lyon Financial has a wide variety of loan products to choose from, so you can find the perfect fit for your needs. If youre considering a Viking pool, youre probably wondering how much it will cost. Depending on a homeowners circumstances and what theyre looking for in a pool loan, some lenders may stand out more than others. Concerned about all the pool companies in Southwest Florida and whether youre choosing the right one? The top loan providers in this space vary quite a bit in terms of the precise benefits they bring to the table. With that in mind, a persons credit score can be one of the most important criteria used to determine loan eligibility. Fill out the pre-application and take one step closer to swimming in the pool of your dreams. Reviews | Viking Capital Home Improvement & Pool Financing In general, companies that specialize in pool loan financing offer much longer loan terms, with borrowers repaying their loan amount over the course of a decade or more. We received a better interest rate through Viking than any other pool loan company! Financing - Desert Soul Landesign, Llc Your APR may differ based on loan purpose, amount, term and your credit profile. My representative (Kevin) explained my options perfectly, taught me about negative trade, and helped me fix something on my credit rating which was a mistake I didnt even know existed! All information is subject to change without notice. My wife an I both have 800+ credit scores, no debt (besides the mortgage) so our debt to income ratio is < 15%. We act in the capacity of "consultant", working with contractors nationwide to help pair pool buyers with the best swimming pool financing options available. With backyard pool costs rivaling the price of some luxury cars, this renovation project may seem like a pipe dream. . Viking Capital was the answer to our dream of adding a pool to our backyard living environment. Below you'll find answers to some of the most commonly asked questions pertaining to Lyon Financial and the services we offer. If the pool builder of your choice has not worked with us before, there is a brief setup process. A cash-out refinance, for instance, could provide funds to pay for a new pool. Family members must be lineal (spouse or direct-line ancestors and descendants. I was able to get the problem fixed and get a 2% better loan rate and improve my credit score because of this education. // ]]> Financing - American Heritage Pool Corp The APR listed is for a signature loan between $50,000 and $200,000 with a term of 360 months, for applicants with excellent and substantial credit (including but not limited to a minimum credit score of 800 and a debt-to-income ratio/DTI of 50% or less). time with each and every customer. Can't say enoughThank you, ******* (and crew) for making this process a pleasant one!! Lengthy funding time frames could delay the building process if contractors move on to other jobs because the funds needed for a deposit are not immediately available. Before lenders extend a pool loan, they will first review the borrowers financial status and ability to manage debt. Lyon Financial has a very helpful staff,customer service always answers phone calls and questions or directs me to the right person.Best choice i could have madeHighly recommend them. The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes. Swimming Pool Financing in Forney and Rockwall | Pool Xperts Have more financial questions? Lyon Financial. My representative (Kevin) explained my options perfectly, taught me about negative trade, and helped me fix something on my credit rating which was a mistake I didnt even know existed! A: We offer lending solutions for your swimming pool and/or home improvement project and will match your request with a program that fits your budget. We strive to be a trusted employer, business partner and service provider and to conduct business with transparency, integrity and fairness. We strive to provide a 5-Star worthy experience to every customer. One such product is the Capital Pool Loan, which is designed for business owners who are looking to expand their businesses. Consulting a pool loan calculator could help homeowners determine how much a particular loan will cost when its all said and done. We also stay involved with you and your pool contractor throughout the project, and pay your contractor directly in stages as work progresses. Full consolidated financial statements for the year ended December 31, 2022 and 2021 and related MD&A for the same period can be found at www.sedar.com and the Company's website at www . HomeFlex100 Line of Credit allows for flexible options for those with little or no equity, borrow up to 100% equity. Lyon Financial offers financing solutions for swimming pool and home improvement loans nationwide. With dedicated pool loans, personal loans, home improvement loans, and home equity loans all on the table, it can feel a little overwhelming at times. APPLY AT LIGHT STREAM FINANCIAL. Funding times are a bit longer as well, with 5-day funding time frames being pretty typical with this lender. Includes family by adoption and marriage). I was able to get the problem fixed and get a 2% better loan rate and improve my credit score because of this education. I would highly recommend them to anyone. In some cases, homeowners may be able to obtain a 20-year pool loanpossibly even a 25-year loan. That's why we have partnered with Lyon Financial to offer incredible financing rates! Submit your loan application . Your contractor charges your shopping pass at milestones stated in your pool contract with a required 30% draw at completion. We have been wanting to build a pool for many years and now that we have pulled the trigger we need a good loan company. By Jeff Keleher Published Sep 8, 2022 11:46 AM. Solved! He even suggested my husband co-signing which after fixing 1 thing on my husbands credit report got us approved for funding. When you have good to excellent credit, the choice is yours. We've come across this loan with a 12 year 7.99% (decent for an unsecured pool loan), and no prepayment penalty, but the credit aspect seems suspect and fishy.. What's the catch here? Other companies may require several days to fund approved loans, so its good to know what their funding time frames look like beforehand. Address. Because there is so much variance from lender to lender, it may be a good idea to check the APR range offered by each pool loan provider before making a final decision. As an example, you could pay 20% at Excavation, 30% at Gunite, 20% at Decking and 30% at Completion. HFSs platform loans are personal loans which mean NO EQUITY is needed and all loans fund 100% Direct-to-Consumer. Rate discounts to help lower the total cost of the loan and make pool financing more affordable. Call our in-house pool experts, and we ill help you make the best decision for you. As such, its important to research the best pool loans available and decide which one makes the most sense for each persons unique situation. Unlike banks, credit unions, and online lenders, our experience is unique to pools, not just any type of loan. Apply Now and we will schedule your FREE Loan Consultation! Another advantage of personal loans is that theyre typically unsecured, which means you wont have to put up any collateral (like your home) in order to qualify. Being self employed and having complicated taxes i was less then enthused to start the process. Many of the best pool loans are unsecured loansthat is, they dont use any assets as collateral. Financing - Concord Pools & Spas LightStream delivers a revolutionary swimming pool loan experience that allows customers to focus on their home improvement purchase, rather than on their financing. One option is an adjustable-rate mortgage (ARM). Concord Pools & Spas. Dominate search results. Lyon Financial and Viking Capital both specialize in swimming pool financing. With the help of our financial partners, Viking Capital and Lyon Financial, and the Premier Pool Contractor team, your dream becomes a reality! The company also supports a dedicated mobile app that customers can use to manage their loans, including scheduling payments, updating account information, and checking the progress of their repayment schedule. There are many loan calculators available online, but we recommend using the one from Bankrate.com. I listened to him He was patient he would check my debit to credit ratio and explain where I was currently and where I had to be in order to get approved. Finally, click Calculate. Financing | OC Poolscapes We fit you with the best for your needs and qualifications. AMS Financial. Its easy to use and provides accurate results. Borrowers can also conveniently manage their loans through the lenders dedicated mobile app. For more related info, . Let us help you find the best funding option. Please wait while flipbook is loading. information secure and enable our Top-Notch SITE DESIGNED BY . Home: Products. SoFi does offer some flexibility for borrowers who fall on hard financial times, though. They offer a wide array of loan options and have the ability to work with borrowers in all credit tiers. Depending on the lender and type of financing, a pool loan could run anywhere from 24 months to 25 years. Fresno Clovis pool builders|Safety pool covers Swim spas Fresno CA Thank You for all your help. David was great to work with and made sure that we were aware of everything that would happen along the way. So easy a caveman can do it. In return for setting up automatic payments on their accounts, borrowers may be able to shave a certain amount off their APR, which would mean owing less interest over the life of the loan. The type of loan you choose should be based on these and other factors. First and foremost, youll need to have strong credit. Many pool loan providers support online applications, but response times could vary. Learn More Concord Pools partners with Viking Capital to offer highly desirable financing options. Find out how easy a pool financing could be from the company who knows pools inside and out! We may earn money or products from the companies mentioned in this post. Monthly payment amounts are for demonstrative purposes only and are not guaranteed to match final payment amounts for all borrowers. Lyon emerges from bankruptcy - Modern Materials Handling In addition, homeowners with sufficient home equity may have the option to use funds from a home equity loan for pool installations. Pool Financing at Swim - Pool Contractor in Raleigh Last. Not all will qualify. He gave me ideas on areas to improve my credit score so I could get approved for funding. Let us suggest the right program for you to make your swimming pool dream come true. Awesome work by this professional group! If you can meet all of these requirements, then you should be able to get approved for a loan from a Viking capital pool. Sunmark Credit Union Loans up to $75,000 Apply Viking Capital. Term of 30 years requires a minimum FICO of 780. Lions 24-28 Vikings (Sep 25, 2022) Game Recap - ESPN TX-SML# 42691 Explore Our Financing Options | Vintage Pools APPLY AT LYON FINANCIAL. He was responsive, knowledgeable and clearly a subject matter expert in his field and the best part, no high sales pitch or pressure! Lyon Financial does not do a hard inquiry. We are a family owned business since 1999 and // Financing - atlaspoolsofcentralfl.com The technical storage or access that is used exclusively for anonymous statistical purposes. This can be in the form of property or other assets. Payment example: Monthly Payments for a $200,000 loan at 6.49% APR with a term of 30 years would result in 360 monthly payments of $1,262.82. Personal loans can be used for just about anything, so you shouldnt have any trouble using one to finance your pool. * Indicates required field. Terms and conditions are based on borrower (and co-borrower if applicable) needs and qualifications, are subject to change, and may expire without notice. However, if you still don't see what you're looking for or require further information, contact us directly at 877-754-5966 and one of our friendly and experienced specialists will be happy to assist you.

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