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Project over $5,000? Ask about our 100% Project Financing Option.

Project Financing

WHAT TYPES OF BACKYARD PROJECT CAN I FINANCE TOGETHER?
Our backyard financing solutions are incredibly versatile, designed to help you bring your entire outdoor vision to life. You can typically combine the costs for a wide range of projects, such as pool installation, patio and hardscaping, outdoor kitchens and dining areas, pergolas and gazebos, comprehensive landscaping (including plantings, irrigation, and lighting), fire pits, decks, and even fencing or shed installations. We aim to provide a single, comprehensive financing solution for your multi-faceted backyard transformation.
While it’s beneficial to have a general idea of your desired projects and budget, you don’t necessarily need every single quote finalized before applying.
Financing your entire backyard project offers several significant benefits. Firstly, it allows you to complete your dream outdoor space sooner, rather than saving for years. Secondly, dedicated backyard financing typically comes with much lower interest rates than credit cards, saving you a substantial amount over the long term. Thirdly, by using a structured loan, you preserve your cash reserves for other emergencies or investments, and you can enjoy fixed, predictable monthly payments, making budgeting easier.
 

A: Yes, the applicant must be listed as the owner of record on the deed to the property where the pool or project is to be constructed.

A: There are no prepayment penalties so you can pay the loan off early and not be charged any additional interest.

A: We look at your overall credit health, including your credit score and debt-to-income (DTI) ratio. Ideally, we like to see a DTI of 50 percent or less (including the amount of the loan you’re requesting). We also look for any recent negative marks, such as bankruptcies or tax liens. We are able to offer financing solutions for most applicants with a credit score of 640 and above. There is a minimum credit score of 640 required; however, it is not entirely credit score driven. The underwriter will review your entire credit profile, past payment performance, and experience with large secured and unsecured loans. All loan decisions are at the discretion of our lending partners.

A: Most fundings involve paying the pool builder directly in stages, according to the progress of the project. This ensures that the contractor is receiving the appropriate payments in the appropriate increments. In most cases, before each stage’s payment is released, we ask that you complete a brief electronic form to verify that the scope of work for that stage has been completed.

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  • Lowest rates and longest terms in the industry
  • Flexible loan programs
  • Expert support from start to finish
  • Non-secured loans

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Qualified applicants have at least a >640 Credit Score and <60/40 Debt to Income Ratio that would include the new loan.

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*Loans are a relationship exclusively between Lyon Financial and the Applicant. Hometown Lawn, LLC is the contractor and has no involvement in the loan approval process or any personal data you submit.