Custom Home & Pool Financing Support
Helping You Build With Confidence and On Budget
Smart Financing for Custom Homes, Pools & Renovations
Building a custom home, pool, or remodeling your space should be exciting, not stressful. When you work with Picklo Homes, funding the project becomes a smooth and guided experience
While we don’t offer in-house loans, we work closely with trusted lenders who understand the ins and outs of custom home and construction financing. These experts can walk you through each step and help you feel confident about your decisions.
Financing Partners We Trust for Your Dream Home
Our local finance experts understand the ins and outs of home construction loans and financing options. In addition, they are experienced in working with custom homes, pools, and renovation projects completed by our builders. To learn more about your loan options, feel free to contact them directly.
How Construction Financing Works
Getting a loan for a custom home or pool is different from buying a regular house. You’ll likely need a construction loan to pay for the building process. Once your home or pool is finished, this loan can turn into a long-term mortgage. It might sound confusing, but with the right lender, it’s much easier to handle. The lenders we recommend will create a plan that fits your timeline, budget, and goals.
Types of Construction Loans
Whether you’re building a new custom home, adding a pool, or upgrading your current space, our financing partners can help you choose the most suitable loan, such as:
Construction-to-Permanent Loan
This is one loan that covers the entire project, from the build to your final mortgage. Once your home or pool is finished, it automatically becomes your regular home loan. No need for two closings.
Traditional Construction Loan
This loan is just for the building stage, usually lasting 6 to 12 months. Once construction is done, you’ll need to apply for a separate mortgage to pay it off.
Cash During Construction + Loan Later
If you plan to pay with cash while building, you can make a plan to obtain long-term financing once the work is complete.
Understanding the Financing Process
01
Start with a Consultation
We’ll go over your goals and connect you with a trusted lender that fits your needs.
02
Get Pre-Approved & Set a Budget
Your lender will help you get pre-approved and set your construction budget.
03
Build & Stay on Track
After funding approval, the lender will release funds as your project progresses.
Custom Home & Pool Financing FAQs
Do I need to own land before applying for a construction loan?
Most lenders prefer that you already own the land or plan to purchase it as part of your construction loan. If you haven’t secured land yet, the loan can often be structured to include the land cost along with the build. Our team can help connect you with local experts and resources if you need assistance finding the right property for your custom home.
How much do I need for a down payment?
Construction loan down payments typically range from 10% to 20% of the total project cost. The exact amount depends on the lender, your credit score, income, and overall financial picture. A stronger financial profile may help reduce your required down payment. Your chosen lender will walk you through what’s needed and help you understand all the upfront costs involved.
Can I use the loan to build a pool or for home improvements?
Yes, in many cases, a construction loan can be used to include features like a custom pool or major home renovations, especially when these are planned at the same time as your home build. If you’re working on a remodeling or pool-only project, some lenders also offer renovation-specific financing. We recommend discussing your full project scope with your lender to see what’s possible.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate of how much you might be able to borrow based on basic financial information. Pre-approval is more detailed and involves a full review of your income, credit, and debts. Getting pre-approved gives you a more accurate idea of your budget and strengthens your position when it’s time to move forward with construction and planning.
How long does the financing process take?
The financing process usually takes 2 to 4 weeks from application to approval, but this can vary based on how quickly you provide your documents and how complex your project is. Starting early and staying organized will help keep things moving. Once approved, your lender will create a draw schedule and release funds as your building project progresses.
Start Building the Home You’ve
Always Wanted
Take the first step with a friendly, no-obligation conversation.