Lyon Financial is a great company to work with if you are looking for a pool loan. Visit Lyon Financial for More Information, Visit Viking Capital for More Information, Visit Sunmark Credit Union for More Information, Both fixed and variable interest rates available, Borrow up to 100% of homes appraised value, No application fee or pre-payment penalty. When it comes time to apply for a pool loan, homeowners may prefer an application process thats quick and easy to complete. #Available on approved credit, not all will qualify. I was so impressed a REAL human being (Karen) always answered the phone and directed me to proper person. You can be confident thats what youll get with LightStream, because we back our low rates with our Rate Beat Program. When you have good credit, you deserve a low-interest, fixed-rate loan. If you are considering financing a swimming pool, be sure to shop around for the best rates and terms. LightStream delivers a revolutionary swimming pool loan experience that allows customers to focus on their home improvement purchase, rather than on their financing. HFS performs a soft credit check to present you with full loan options. *Viking Capital offers a variety of loans that vary in rate, term, loan limits and approval conditions. Lyon Financial does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points, and loan programs offered by affiliates. Unlike typical lenders, we partner with you AND your contractor through every stage of the process to ensure funds are disbursed on time and in full throughout the completion of your project. Loans for non-pool/standalone home improvement projects may incur different rates and terms based on loan purpose. Homeowners who are anxious to get started on their pool installationif they have a contractor ready to begin work, for instancemay not want to wait too long to hear back about their application status. The first step is to find a lender who works with people in your situation and compare their offers. The applicant or co-applicant (or Family Member*) is active duty, military retiree, reservist, or veteran. Ready to get started, click the button below to request a fee consultation! Sophia Anthony is a freelance writer and blogger, covering health and fitness topics through visual representation. If youre considering a pool loan, you may be wondering about the difference between Viking Capital and Lyon Financial. HFSs platform loans are personal loans which mean NO EQUITY is needed and all loans fund 100% Direct-to-Consumer. So easy a caveman can do it. Lyon Financial has a wide variety of loan products to choose from, so you can find the perfect fit for your needs. The best pool loan companies have a lot to offer, but not every one will be the right choice for every household. Find out how easy a pool financing could be from the company who knows pools inside and out! Through our solid relationships with more than 3,000 pool contractors and our continued commitment to putting our clients first, we have built a reputation as the first choice in providing pool financing solutions. Subject to change. COMPARE POOL LOAN COMPANIES Visit the three websites below to compare pricing, and loan terms, for your new pool. One of the best Financial Services, Finance business at 118 Morlake Dr Suite 202, Mooresville NC, 28117 United States. Through our exclusive lenders, we offer financing solutions for swimming pool and home improvement projects nationwide. Well also email you the link so you can view at anytime. Viking Capital Loan Specialists give personal attention to every borrower and take the time to understand their financing needs and qualifications. repayment terms are flexible, and Viking Capital also offers a number of other financing options, such as lines of credit and term loans. Again, keep in mind that if housing prices drop after taking out this type of loan, you could find yourself underwater on your mortgage balance owed versus what your home is currently worth in the marketplace . When you have good to excellent credit, the choice is yours. Lyon Financial offers financing solutions for swimming pool and home improvement loans nationwide. $$ info@poolloan.net Closed now 9:00 AM - 5:00 PM Loan Service vikingcapitalinc Photos See all However, some lenders may require a higher score, such as 700 or 720. That's when we discovered the power of multifamily real estate investments, which allow us to create passive income and build wealth for our families, all while making a difference in local communities. Viking Capital, Inc. Financial Services Ponte Vedra Beach, Florida 313 followers Financing for home improvement projects including swimming pools, hot tubs, decks, indoor/outdoor kitchens, baths, etc. Lenders may set minimum credit scores for borrowers to meet in order to qualify for a loan. You'll feel like the valued customer you are. We also stay involved with you and your pool contractor throughout the project, and pay your contractor directly in stages as work progresses. Very easy to sign all the paperwork. You get one more interest-only payment but can no longer affect the payment going forward. Payment example: Monthly payments for a $50,000 loan at 6.49% APR with a term of 30 years would result in 360 monthly payments of $315.71. TX-SML# 42691 Our team of Pool, Spa, and Backyard Specialists are here and ready to help transform your dream into a reality. Best Customer Service! Once homeowners have decided which option is best for them, they can reach out to their lender of choice to see what the next steps are to get a home improvement loan for a pool. Additionally, borrowers must have at least two years of verifiable income and asset documentation. You are only required to pay interest on the funds charged during the first 7 months of the loan. They are prompt to answer any questions we've had and on top of every signature or paper work needed to move forward. @media screen and (min-width: 600px) {div#wprev-slider-1{margin-top: 10px;}div#wprev-slider-1{margin-bottom: 10px;}}@media only screen and (max-width: 600px) {div#wprev-slider-1{margin-top: 10px;}div#wprev-slider-1{margin-bottom: 10px;}}#wprev-slider-1 .wprevpro_star_imgs{color: #FDD314;}#wprev-slider-1 .wprsp-star{color: #FDD314;}#wprev-slider-1 .wprevpro_star_imgs span.svgicons {background: #FDD314;}#wprev-slider-1 .wprev_preview_bradius_T1 {border-radius: 0px;}#wprev-slider-1 .wprev_preview_bg1_T1 {background:rgb(34,34,34);}#wprev-slider-1 .wprev_preview_bg2_T1 {background:;}#wprev-slider-1 .wprev_preview_tcolor1_T1 {color:#ffffff;}#wprev-slider-1 .wprev_preview_tcolor2_T1 {color:#000000;}#wprev-slider-1 .wprev_preview_tcolor1_T1 {font-size:18px;line-height: normal;}#wprev-slider-1 .wprev_preview_tcolor2_T1 {font-size:16px;line-height: normal;}#wprev-slider-1 .wprev_preview_bg1_T1::after{ border-top: 30px solid rgb(34,34,34); }#wprev-slider-1 .wprs_rd_more,.wprs_rd_less,.wprevpro_btn_show_rdpop{color:#f4f4f4;}#wprev-slider-1 .wprev_preview_tcolor1_T1 { color: #ffffff; font-family: Montserrat; line-height: 1.5em; } a.wprs_rd_more { color: #fff!important; text-decoration: underline;} .wprevpro_t1_SPAN_5 {float: left; }. What am I missing that makes this a horrible loan (besides the ridiculous 7.99% rate - which we plan to pay off in 18 months). Will update as the pool is installed.! APPLY AT VIKING CAPITAL . Ryan Harris was our Viking Capital representative and we couldnt have been luckier. Once you have a strong credit score in hand, compare offers from multiple lenders before selecting the one that offers you the lowest interest rate and most favorable repayment terms. What's-app:+1 (657) 366-7359. We strive to be a trusted employer, business partner and service provider and to conduct business with transparency, integrity and fairness. APPLY AT LIGHT STREAM FINANCIAL. I was able to get the problem fixed and get a 2% better loan rate and improve my credit score because of this education. Birdeye helps millions of local businesses to be found online with all their reviews and accurate business information. 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. There are some mortgage options available that could allow homeowners to build pool installation costs into their refinance. They have a simple application process and you can be approved for up to $250,000. Call our in-house pool experts, and we ill help you make the best decision for you. Let us suggest the right program for you to make your swimming pool dream come true. There are many factors to consider when taking out a loan for a pool. Fast, accurate and truthful information. 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). GENERAL INQUIRIES. After 6 months, the card expires and your payment is locked in. It can only be used with your approved contractor. Loan amount $50,000Rate 7.99%Term 20 YearsMonthly payment $418/mo. 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. You can also see how much money you would save by making bi-weekly payments instead of monthly payments. But some people might prefer to tap into their home equity rather than take out a dedicated pool loan. Apart from work she likes dancing and listening to music. Home: Products. We are able to offer financing solutions for most applicants with a credit score of 625 and above. SoFi is a major player in the lending industry, supporting a wide variety of loan products for customers to choose from, including a home improvement loan for pool installations. The best way to find out is to use a loan calculator. If you have loan needs, Viking Capital is your answer. Easy, done. 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? A: No, we do not currently finance any owner-builds at this time. Lyon Financial has successfully funded over 200,000 swimming pool loans. Depending on a homeowners circumstances and what theyre looking for in a pool loan, some lenders may stand out more than others. Im at the beginning phase of the pool build but so far everything has been an easy process..From application to signatures to the ok to start construction. Talk with different lenders about what might work best given YOUR unique financial situation before making any decisions . We offer long-term loans with low rates, catered for home improvements. We then reach out directly to you and go over the details and next steps in the loan process. Also, keep in mind that the longer the term of your loan, the more interest you will pay over time. Monthly payment amounts are for demonstrative purposes only and are not guaranteed to match final payment amounts for all borrowers. Before lenders extend a pool loan, they will first review the borrowers financial status and ability to manage debt. For instance, eligible borrowers could qualify for a loan amount as high as $225,000, which is extremely high for this type of financing and would allow them to secure the funding for all but the most expensive pool installations. By taking all of these factors into account, you should be ableto find the best loan for your needs. Heres how it works: first, enter the amount of money you need to borrow for your Viking pool. Being able to check the status of their loan at any time and from any location can be convenient for some borrowers, making it easier to track the progress theyve made repaying their loan. Desirable loan options and personal attention every step of the way! And finally, dont forget to factor in the costs of installation and ongoing maintenance when budgeting for your new pool! FICO score of 850 required for 4.99% APR. Cheap pool loans usually combine low interest rates, generous discounts, and flexible repayment schedules to give borrowers the biggest bang for their buck. 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! In addition, some lenders may require more information and records than others, which can make the application process more onerous to complete and negatively affect the customer experience even before the loan is approved. Telephone: (760) 340-2588 Email: info@newpoolconstruction.com. Qualifying for a loan with bad credit can be tricky, but its not impossible. Such discounts could be an important factor to consider when looking at each lenders APR ranges, as eligible borrowers may be able to lower their rate and save some money on their pool financing. The advantage of this type of loan is that it usually has a lower interest rate than other types of loans such as credit cards or personal loans. ), and whether or not the lender offers flexible repayment options (like making extra payments without penalty). Loan programs offered are available nationwide for terms of up to 30 years. !You have a new customer for life! Bnit Mulindwa gave Viking Capital, Inc. a 5 star Review on Facebook. Find Reviews, Ratings, Directions, Business Hours, Contact Information and book online appointment. You cannot apply via phone. Contact Us. We provide 30, 20, 15 or 10 year fully amortized loans and offer low Fannie Mae conforming conventional fixed interest rates. It is a big financial investment, but its also a huge quality of life investment. You can only see the pick at SportsLine. Viking Capital Loan Specialists give personal attention to every borrower and take the time to understand their financing needs and qualifications. The technical storage or access that is used exclusively for statistical purposes. Build your furure with our help! Our clients know that an actual account manager will always answer the phone when they call. Lenders will use your credit score to determine your likelihood of defaulting on the loan. There is a minimum credit score of 625 required; however, it is not entirely credit score driven. We are a family owned business since 1999 and Partner with the industrys leader to make your backyard dreams come true! // ]]> 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. I was so impressed a REAL human being (Karen) always answered the phone and directed me to proper person. But there are financing options available that can help homeowners shoulder these costs and build a pool to their specifications. A third option is called a cash-out refinance which allows homeowners to refinance their existing mortgage and take out additional cash in order to pay for things like renovations or college tuition expenses. He gave me ideas on areas to improve my credit score so I could get approved for funding. There are also no appraisals or home equity requirements. By Jeff Keleher Published Sep 8, 2022 11:46 AM. Why It Made the Cut: Lyon Financial specializes in pool loans, with low APR options and a wide range of lengthy loan terms, making this lender a good choice for homeowners who want to work with an experienced pool loan specialist. We may earn revenue from the products available on this page and participate in affiliate programs. A: Your monthly loan payment amount is dependent on many factors, including your loan amount, term, and credit profile. We use cookies to optimize our website and our service. https://www.revolutionreport.net/author/sophia-anthony/, This Site Is A Participant In The Amazon Services LLC Associates Program, An Affiliate Advertising Program Designed To Provide A Means For Sites To Earn Advertising Fees By Advertising And Linking To Amazon.Com. Unlike banks, credit unions, and online lenders, our experience is unique to pools, not just any type of loan. Their multiple loan options have low rates and longer terms than common unsecured loans offering more affordable monthly payments. What Type Of Loan Are You Looking For? Conditions and limitations apply. explained everything and answered all my questions. Name. All rights reserved. The applicant or co-applicant (or Family Member*) is active duty, military retiree, reservist, or veteran. My wife an I both have 800+ credit scores, no debt (besides the mortgage) so our debt to income ratio is < 15%. to our Military Families. Our staff and business partners are proud to offer our lowest rates to those with military affiliation. If you can meet all of these requirements, then you should be able to get approved for a loan from a Viking capital pool. This can be beneficial because it allows you to work with just one company throughout the entire process. If so, you may be wondering about the best way to finance this project. Multiple Loan Options - including 10 and 12 year loans only available through Viking Capital. Homeowners reviewing their pool loan options may also want to take into account that personal loans tend to have higher interest rates than many other types of loans. After understanding our loan needs, he shopped around for best fit, best price, best terms and was quick to close the deal. And, their customer service is top-notch! Thank You for all your help. 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. You should also look at things like fees (origination fees, prepayment penalties), repayment terms (how long do you have to pay back the loan? Homeowners with higher credit scores are more likely to be approved for a pool loan and be offered better loan terms, such as lower interest rates. Viking Capital. This can make it difficult to qualify for traditional loans from banks or credit unions. A: We work across the 48 contiguous states of the United States.
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viking capital vs lyon financial