RiverMist freeform pool at dusk in North Texas

Financing

Finance with flexibility.

RiverMist works with several different lenders and multiple programs to help families find the right finance package. It's a big advantage — for you and for your designer — to walk into the design process with a pre-approval or an educated idea of what you're comfortable borrowing.

Step one

Know your number before you dream.

Not sure what a pool costs? Start with our cost guidance, then talk to a lender below.

Costs with certainty →
Most popular

Home improvement loan

Lowest rates, longest terms, interest is typically tax deductible.

  • Minimum credit score of 660; 700+ preferred
  • Recently moved in? Some programs let purchase price serve as the basis of calculation for up to two years
  • You'll need current home value, current mortgage balance, and credit score
  • Rates are set per customer by credit score, debt-to-income, term length, amount borrowed, and loan-to-value
Flexible

Unsecured signature loan

Based entirely on personal credit and debt-to-income — no home equity required.

  • Great for short-term needs or to supplement a home improvement loan
  • Lenders prefer credit scores of 650+; terms available up to 30 years
  • Most programs fund in stages directly per contract terms
  • Short-term programs can carry attractive rates; longer terms run higher
Renovating

Refinance existing mortgage

Roll the pool and the rest of the project into one transaction.

  • Repair and renovation costs combined into one loan
  • Low down payments; only one closing, before construction begins
  • Funds disbursed on a draw basis after closing
  • Can include pool, deck, outdoor kitchen, landscaping, irrigation, fence, and interior work

Our preferred lenders

Talk to any of them directly — there's no obligation, and no one at RiverMist earns a commission on which one you choose.

Certified Funding, L.P.

800.858.7343 · 972.248.0200

Strong fit outside Ellis County with existing home equity.

Apply

First Financial Bank

Chris Schjetnan, SVP · 817.774.5155

Often the best program for Ellis County customers with 700+ scores.

Apply

Lyon Financial

Judy Vargas · 877.754.5966 ext. 7191

Loan calculator and quick online application.

Apply

Viking Capital

904.686.1702

Unsecured pool loan specialists.

Apply

Gateway Mortgage Group

Lance Wallace · 469.383.3340

Renovation mortgages that bundle the whole backyard.

Apply

Rates, terms, and program availability are set by each lender and vary by credit profile. RiverMist Pools & Spas is not a lender and does not offer credit; please contact a lender directly for current program and rate information.

Pre-approved?
Let's design it.

Start your pool →