Financing a Pool Renovation

ByMatt Gohlke October 21, 2010 Gohlke Pools Blog Reading Time: 2 minutes

Very few people are in a financial position to pay for a swimming pool renovation project without borrowing money. Therefore, a pool owner must decide how to fund the project. Financing (or borrowing money) is a very common method of funding these types of projects. The two most popular types of loans that are available are:

home improvement loan
home equity loan

Common to both types of loan

Both home improvement and home equity loans are usually available for the long term. Thelength of time available is usually based on the dollar amount.
The interest is tax-deductible in most cases—see your accountant to see if this applies to your situation.
State law requires that a minimum of 15 days pass before the loan is funded (12 days to close the loan plus 3 day right to cancel the transaction).

Home improvement loans

Often times, home improvement loans can be made for up to 100% of the appraised value of the home. The improvements being made can be added into the value of the home. In addition, in the event that you decide at a later time that you decide to refinance your mortgage, the loan can be rolled into the permanent mortgage.

Home equity loans

Home equity loans can be made for up to 80% of the appraised value of the home. The improvements being made cannot be added into the value of the home. The combination of both of these statements make it necessary that you have more equity for this type of loan versus a home improvement loan. This type of loan cannot be rolled into a permanent mortgage in case of refinancing. In addition, you are only able to apply for one home equity loan in a 12-month period.

As you can see, each loan has its advantages and disadvantages. It is important to discuss with your CPA, financial adviser, or loan officer to determine which loan would work best in your situation.

By selecting the right contractor and financing plan, you will be ready to start the swim season next spring with a renovated pool that should provide many more years of enjoyment.

Matt Gohlke

Matt has been around the pool business since he was born. When he graduated college in 1984, he joined the family business working for Gohlke Pool Supply. The following year Matt and his father formed a partnership, Gohlke Custom Pools, and started offering pool construction.

Gohlke Pools Blog

Pool Safety Devices
ByMatt Gohlke June 16, 2010

As the weather continues to warm up and swimming pools are getting heavy use, it is time to talk pool safety. We can all agree that we want our swimming pools to be as safe as possible; not only to protect our children but also to protect the neighborhood children. Having layers of protection is the best way to ensure a safe swimming pool (outside of adult supervision). A swimming pool owner should consider using the following layers of protection: Fence – Fences are required around swimming pools within the City of Denton. The fence must be 5’ in height with gaps no larger than 4”. The gates must be self-closing and self-latching with the latch at least 54” from the ground. We suggest that…

Read More Pool Safety Devices
Gohlke Pools Blog

Poop in the Pool
ByMatt Gohlke July 22, 2016

Several times per year we get the following call—“Someone has pooped in the pool—do we have to drain all of the water out of the pool?” With no disrespect to the movie Caddyshack, the pool does not have to be drained. According to the Pool & Spa Operator Handbook, a publication of the National Swimming Pool Foundation, following are the fecal incident response recommendations: For any type of accidental fecal release (AFR), direct all users to leave the pool. If the filtration system services more than one body of water, all of the affected areas must be closed. The pool must remain closed until all of the following procedures have been completed. For any type of AFR, manually remove as much of the material as…

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Gohlke Pools Blog

5 Tips to Help You Get Your Pool Ready
ByGohlke Pools March 19, 2026June 1, 2026

The weather has really warmed up recently and it appears that the cold weather is now behind us. We can almost be assured that we have had the last freeze of winter 2025/2026, as our average last freeze is on March 12th, and there does not appear to be any cold weather in the long-range forecast. What does this mean to pool owners? It means that now is the time to begin preparing your swimming pool for the summer. Algae grows best between pH levels of 7 and 9 and algae growth really begins to increase at water temperatures of 60 degrees. With pool water pH levels being in that pH range, and with pool water temperatures in the Denton area in the mid 60’s,…

Read More 5 Tips to Help You Get Your Pool Ready
Gohlke Pools Blog | Pool Planning

Ten Reasons to choose Gohlke Pools as your Pool Builder
ByMatt Gohlke January 8, 2025

NOTE: THIS IS THE 6th IN A SERIES OF Seven ARTICLES FOR THOSE WHO ARE CONSIDERING A SWIMMING POOL. Thank you.We want to be your swimming pool builder.

Read More Ten Reasons to choose Gohlke Pools as your Pool Builder
Gohlke Pools Blog

Dealing with Hot Weather Pool Problems
ByMatt Gohlke August 4, 2016

With the 100 degree temperatures that arrived this week, we are again reminded that hot weather can create problems for swimming pools even when a routine swimming pool maintenance program is followed. Two of the most common pool problems that pool owners experience this time of year are cloudy water and algae. Treating Cloudy Water in Pools The cause of cloudy water is usually either a water chemistry imbalance or poor filtration. Cloudy water due to water chemistry imbalance If it is a water chemistry issue, it is usually low sanitizer (chlorine) levels or high pH levels. If you have cloudy water and suspect that it is a water chemistry problem, simply test the water and treat as recommended or better yet, take a pint…

Read More Dealing with Hot Weather Pool Problems
Gohlke Pools Blog

North Texas Winter Weather Information
ByMatt Gohlke December 5, 2014

Although winter does not officially begin until December 21st, the cold weather that we experienced in mid-November seemed to create some interest in the severity of the weather that we are going to have this winter in the north Texas area. While none of us really know what the weather will be, most of the forecasters (with a wide variety of supporting data) believe that it is going to be a colder winter than normal. Denton area farmers – Farmers are typically a great source of information on a variety of topics (and life advice), but especially concerning weather predictions. The general consensus of area farmers seems to be that it will be a colder than normal winter. Said one local farmer to me –…

Read More North Texas Winter Weather Information

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