Financing Your Backyard Project

If financing is part of your plan, then obviously, it’s a big advantage for you to know in advance how much money you can borrow for your backyard project. Here are a few helpful tips for you to consider as you investigate financing.


There are basically 2 ways to get financing for your pool project:

  • “Home Improvement Loan”
  • “Refinancing” your existing loan

There are advantages and disadvantages of each. It’s usually best to talk to a lender (or call us) to find out which of these will be best for you and your situation.


Do you know how much equity you have? It’s fairly easy to calculate:

  • Go to, enter your address, and find the “ESTIMATED MARKET VALUE” of your home.
  • Alternatively, you can search your county tax records for the “tax assessed value” of your home.
  • Then call your mortgage company for your CURRENT BALANCE(s). Note – If you have a 2nd mortgage, you must include that in the total.
  • Subtract CURRENT BALANCE from ESTIMATED MARKET VALUE to determine your EQUITY.

TIP #3: Talk to a lender. 

A quick conversation with your favorite banker (or one of ours, below) will get you on the right path.

Note that you don’t need to fill out an application, or worry about anything hitting your credit report. Just make a phone call to a broker, and get their advice for your unique situation. The brokers below have helped THOUSANDS of homeowners, and will be happy to help you too. Or give us a call for further advice. We too have helped thousands of homeowners through this process.

For home improvement loans, call any of the following experts:

Ron Salsini

Vice President, FROST BANK
Office: (214) 515-4854
Fax 214-515-4849

Judy Vargas

Sales Manager, Lyon Financial
Mobile: 281-827-3989
NOTE: Lyon Financial specializes exclusively in swimming pool loans.

HFS Financial

HFS Financials

You’re also welcome to fill out our simple application, and fax it to (972) 783-4056. We’ll be happy to give you our confidential recommendations and advice. Or just call us, at (972) 783-4090. For nearly 4 decades in the business, we have a pretty good sense of what it takes to get qualified for a loan.