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Get your dream swimming pool with HFS Financial!
Building a backyard swimming pool is one of the most exciting adventures you’ll ever have. That’s what makes swimming pool loans so incredibly important. Not only will you be adding a beautiful asset to your home, but you’ll also be creating a space to make endless memories with the ones you love most.
 
The inviting sparkle of clear, cool water turns a boring backyard into a complete showstopper. Adding the crown jewel of your home all begins with the right financing, with terms and rates on pool loans that will make both your heart and your wallet happy. Discover how HFS Financial can help you get the backyard pool of a lifetime.

What impact can a swimming pool have on my home and family?
A swimming pool brings so much to any home – entertainment, closer relationships, less screen time, more healthy exercise, and so much more. Installing a new swimming pool also adds great value to your at-home lifestyle and can even boost your home’s equity! The right swimming pool can set the stage for premier family time, backyard parties, restorative relaxation, holiday celebrations, and a gathering space for kids and adults alike.

When you want to build an inground pool – whether fiberglass, concrete, or vinyl liner – you’re going to need the best financing to get this major home improvement project completed according to your dreams.

That’s why HFS Financial offers the leading options for swimming pool loans for your sensational new pool. Plus, it couldn’t be easier to get started on the financing you need to make all your backyard pool dreams happen. With our quick, 60-second inquiry, you can start the process of discovering your own incredible backyard transformation.

Where can I find swimming pool loans with good rates?
HFS Financial can help you find the perfect financing options for your new swimming pool. Why use HFS Financial for your new pool? For over 55 years, we have specialized in helping consumers find the right swimming pool loans to ensure the most pleasant overall pool financing experience. 

If there’s anyone who knows the swimming pool financing industry, it’s HFS Financial. We’re all too familiar with the complicated process it used to take to get a swimming pool loan. So, we established HFS Financial to turn a complicated process into a fast and simple one. Cut through the red tape with an easy process that involves far less paperwork and far more beneficial options than other financing available. Now you can spend more time building a new swimming pool in your backyard and less time struggling to finance the project before it even starts.

How can I know I am getting the right pool loan for my needs?

One of the most important parts of funding is being able to do what you want, when you want, with your own money. Our direct-to-consumer financing gives you complete control over your own funding – making you a cash buyer from the get-go. And with no staged funding, your perfect pool project will never be held up for inspections, approval, or other delays often associated with other types of financing options. 
 
Are loans with HFS Financial hassle free?

You’ll receive 100% of your financing up front – allowing you to make the purchases, payments, and decisions you need to get your stunning new backyard pool completed quickly. Check out our online reviews to see all the happy customers who chose HFS for their pool loan. Our goal is provide the easiest pool loans in the industry. We get you a loan, and then we leave you alone!
 
 
How much can I finance and for how many years can you finance a pool?

A very common question is “what are typical pool loan terms?”. Often, pool lenders cap their lending at 10- to 15-year terms. However, when you work with HFS Financial for your swimming pool loan needs, you can lengthen the term of your pool loans to up to 20 years. Not only does this allow for a lower monthly payment, but our fixed-rate payment options and excellent interest rates make building your dream pool cost-effective.

The average cost of in-ground swimming pool loans is between $20,000 – $100,000. With loans up to $500,000, the sky’s the limit on all of the ways you can make your backyard the most beautiful space at home. And with swimming pool loans and other home improvement loans available, you can maximize your money by planning your projects at the same time. When you have a contractor who specializes in building exceptional backyard retreats, check out their full array of offerings for your new backyard space.

How fast will my swimming pool loan be funded?

At HFS Financial, we work tirelessly to ensure that you have the money in hand that you need right when you need it. Once your application is submitted, we quickly notify you of your funding options – often in as little as 24 hours! You’ll also have a dedicated expert on hand to walk you through all of the details concerning your project financing. In fact, you can reach our team anytime by calling 1-800-254-9560.
With ultra-fast funding, you can get started on your project as soon as you want. Don’t waste precious time chasing financing that will leave you frustrated: facing staged funding, dealing with unnecessary approvals and delays, or being waylaid by other red tape and roadblocks. At HFS, we get your pool loan funded as quickly as possible, so you can get started on your dream pool ASAP. 

What if I need to improve the area around my new swimming pool with landscaping, fencing, or decking?

As you plan your new swimming pool, you may realize the need for additional financing for other home improvement projects like privacy or chain link fencing, a pool enclosure, a new deck, backyard landscaping, and more. Do you need to apply for separate financing? Not with HFS Financial! Roll your entire project into one easy-to-secure loan. We offer an array of home improvement financing options for both exterior and interior projects.

With the help of the expert staff at HFS Financial, you can obtain the home improvement and swimming pool loans you need to a backyard that will be the talk of the neighborhood. From new hardscaping and decking to a beautiful outdoor kitchen, you can truly build a custom space to live your best life at home. Whether poolside cooking and dining are in your vision, or you want new hardscaping and landscaping that complement your gorgeous new pool, you can have it all with financing through HFS Financial.

I’m ready! How do I find out my pool loan rates and payment options?

If you’ve been dreaming about finally building a new swimming pool in your backyard, make your dreams a reality by applying with HFS Financial today! HFS is your hassle-free unsecured swimming pool loans solution for all of your swimming pool loan needs. You receive your full loan amount up front, so you control your pool project.

Create the backyard retreat that all of your family, friends, and guests will love. With HFS Financial, “You Dream It, We Finance It!”

How to Budget for a Swimming Pool Remodel: What to Expect

  • Writer: Leah Hughes
    Leah Hughes
  • Apr 7
  • 5 min read

How to Budget for a Swimming Pool Remodel: What to Expect


backyard swimming pool remodel with an artificial turf surround and concrete pavers in Horseshoe Bay Texas
Backyard swimming pool with artificial turf surround and concrete pavers

A pool remodel can breathe new life into your outdoor space, making your backyard a luxurious retreat. Whether you’re upgrading your pool for better aesthetics, more functionality, or energy efficiency, it’s essential to properly budget for the project. Pool remodels can range in cost based on factors such as the scope of work, materials, and any additional features you may want to add. So, how do you plan for a pool remodel and ensure you’re financially prepared? Let’s walk through the process and break down what you should expect.


1. Understand the Scope of the Swimming Pool Remodel

The first step in budgeting for your pool remodel is understanding what aspects of the pool you’re updating. This could include:

  • Resurfacing: Updating the pool's surface material (plaster, tile, fiberglass, or pebble).

  • New Equipment: Replacing or upgrading equipment such as pumps, heaters, lighting, or filtration systems.

  • Shape or Size Change: Expanding, shrinking, or altering the shape of the pool.

  • Water Features: Adding waterfalls, fountains, or jets to enhance your pool.

  • Decking or Surrounding Areas: Upgrading pool decks, adding landscaping, or creating an outdoor living space.

  • Safety Features: Installing or improving safety features like fences, alarms, or non-slip surfaces.

Once you identify what you want, you can start to get a clearer picture of the costs involved. A simple resurfacing job will be more affordable than a complete redesign of your pool.


2. Factor in Materials and Finishes

The materials you choose for your pool remodel can significantly affect your budget. Different finishes and features come with varying price tags. Here are some examples:

  • Plaster: One of the most cost-effective options for resurfacing, but it requires more maintenance over time.

  • Pebble: A popular, durable, and aesthetically pleasing choice that’s more expensive than plaster.

  • Tile: Often used for pools with intricate designs or along the waterline, tiles can be higher in cost due to labor-intensive installation.

  • Fiberglass: If you're considering fiberglass for resurfacing, it can be more costly upfront but generally requires less maintenance and is long-lasting.


Additional features like coping (the edge of the pool), decking (materials like concrete, pavers, or stone), and lighting can increase the price. Be sure to research each material’s long-term value versus its initial cost.


3. Labor Costs

Labor is often one of the most significant portions of the remodel budget. Skilled professionals like contractors, pool technicians, electricians, and landscapers will be involved. Labor rates can vary depending on location and the scope of work.

  • General Contractor: If you hire a general contractor to oversee the entire remodel, their fee will be a percentage of the total cost.

  • Specialized Contractors: Pool specialists or electricians may charge more for their expertise in handling the pool’s specific needs.


Get multiple quotes from different professionals and ensure they have experience working on pool projects to avoid hidden costs down the line.


4. Hidden Costs and Unexpected Expenses in your swimming pool remodel

Pool remodels, like any home improvement project, can often come with unexpected surprises. It's crucial to account for potential hidden costs that might pop up once work begins. Here are a few examples:

  • Structural Issues: If you discover cracks or leaks in the pool structure, repairs will need to be made, which can add to your costs.

  • Permits and Fees: Depending on your location and the scope of the project, you might need permits for certain work, such as altering the pool's plumbing or adding water features.

  • Additional Repairs: Equipment that’s older than expected may need to be replaced, adding unexpected expenses.

  • Upgrading Utilities: If your existing electrical or plumbing systems are outdated, you may need to upgrade them to accommodate new equipment or features.

To avoid overspending, set aside a contingency budget of around 10-20% of your total remodel cost to cover unforeseen issues.


5. Budgeting for Energy Efficiency

Many pool owners are becoming more conscious of energy consumption and are choosing to install energy-efficient equipment and systems during a remodel. These upgrades may initially cost more but can lead to savings on energy bills in the long run. Consider the following:

  • Variable-Speed Pumps: These are more energy-efficient than single-speed pumps and will save you money in electricity costs.

  • LED Pool Lighting: LED lights consume less energy and have a longer lifespan.

  • Solar Pool Heating: A solar pool heater is an eco-friendly option that can lower heating costs over time.

  • Energy-Efficient Filters and Heaters: Upgrading to more efficient systems can help keep maintenance and operational costs down.


While these features may increase upfront costs, they can be worth the investment for long-term savings.


6. Timeline and Seasonal Considerations

The timeline for a pool remodel can vary based on the complexity of the project. Simple jobs, like resurfacing, might take a few days, while more involved remodels could take several weeks. You also need to consider the season when planning your remodel.

  • Peak Seasons: Pool remodels are often more expensive during the summer months when demand is higher. Labor costs may be increased, and availability may be limited.

  • Off-Seasons: Winter or early spring might offer lower rates and a quicker turnaround time, but you might not be able to enjoy your newly remodeled pool right away.

Consider the timing of the remodel to ensure it aligns with your schedule and budget.


7. Create a Realistic Budget

Based on all of the factors above, you can create a realistic budget for your pool remodel. Make sure to account for:

  • Initial costs: The labor, materials, and equipment necessary to complete the project.

  • Contingency funds: An additional 10-20% for unforeseen expenses.

  • Maintenance costs: Ongoing upkeep for your remodeled pool.

  • Energy costs: Consider the long-term energy consumption of any new systems you plan to install.


By taking all of these factors into account, you can arrive at a comprehensive, well-rounded budget that ensures your pool remodel stays on track and within financial limits.


8. Get Multiple Quotes and Plan Ahead

Once you have an idea of the work you want done and a rough budget, reach out to multiple contractors to get quotes. Having a few different perspectives will help you determine what a reasonable price is for your project and ensure you get the best value for your money.

Additionally, plan ahead and avoid rushing the process. The more time you give yourself to compare quotes, select materials, and understand your budget, the better the end result will be.


Final Thoughts

A pool remodel can be a rewarding investment, but it's important to be realistic about the costs and the financial commitment involved. By understanding the scope of your project, researching materials, and considering both visible and hidden costs, you can create a budget that helps you achieve your dream pool without breaking the bank. Take your time to plan, consult professionals, and set aside a contingency fund or inquire about financing options—your pool remodel will be worth every penny when you’re lounging by your sparkling, upgraded pool in the years to come! At Texas Innovative Pools we have the expertise and experience to give you the best swimming pool remodel at the most reasonable cost - Leah Hughes, Owner at Texas Innovative Pools www.txinnovativepools.com

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