Fixed price.
Staged draws.
A pool is a major purchase and the contract should read like one. Your price is fixed in writing before excavation, and payments are tied to completed stages — not to a calendar.
How Katy homeowners pay for pools.
| Unsecured pool loan | Fastest to close, no lien on the house, higher rate. Good if you have strong credit and don't want to touch your mortgage. |
|---|---|
| Home equity loan | Lower rate, fixed payment, secured by the home. Texas has specific home equity rules — your lender will walk you through them. |
| HELOC | Draw as the project bills. Variable rate. Works well with a staged draw schedule. |
| Cash-out refinance | Only makes sense if the new rate is at or below your current one. For most homeowners who bought or refinanced at low rates, it isn't. |
| Cash | No financing cost, and the simplest contract. |
We're a pool builder, not a lender or financial advisor — compare offers with your own bank or a licensed mortgage professional before committing.
Financing questions
Can you finance a pool in Texas?
Yes. Most Katy homeowners use either an unsecured pool loan, a home equity loan or HELOC, or a cash-out refinance. Unsecured pool loans are the fastest to close and don't touch your mortgage, but carry higher rates than equity-backed options.
Does a pool add value to a home in Katy?
Partially. Industry data generally puts recovery at 30 to 50 percent of cost at resale. In master-planned Katy neighborhoods where pools are common, a well-built pool is closer to expected than exceptional — it can shorten time on market more than it lifts price. Build a pool because you want to use it, not as an investment.
How much deposit do you require?
We work on a draw schedule tied to completed stages, not a large lump sum up front. You'll see the exact draw points in your contract before you sign. Be cautious with any builder asking for a very large deposit before excavation.
Get a real number first.
Hard to compare loans without knowing the cost. Start with a free design consult and a fixed written price.