viking capital vs lyon financial

SoFi is a major player in the lending industry, supporting a wide variety of loan products for customers to choose from, including a home improvement loan for pool installations. Consulting a pool loan calculator could help homeowners determine how much a particular loan will cost when its all said and done. Ready to get started, click the button below to request a fee consultation! Many of the best pool loans are unsecured loansthat is, they dont use any assets as collateral. A: We offer lending solutions for your swimming pool and/or home improvement project and will match your request with a program that fits your budget. Submit your loan application and Viking Capital helps you select the best loan for your needs and qualifications. Youre in control of the loan process with LightStream. One of the best Financial Services, Finance business at 118 Morlake Dr Suite 202, Mooresville NC, 28117 United States. APPLY AT VIKING CAPITAL . Some lenders focus exclusively on pool loans, which can provide peace of mind to homeowners, knowing that their financing terms are geared toward pool installations. Contact. A: No, we do not currently finance any owner-builds at this time. Conditions and limitations apply. What am I missing that makes this a horrible loan (besides the ridiculous 7.99% rate - which we plan to pay off in 18 months). If your score is lower than this, it means that you have a history of making late payments or skipping payments altogether. Homeowners with higher credit scores are more likely to be approved for a pool loan and be offered better loan terms, such as lower interest rates. We partner with a network of lenders so you have access to multiple loan options. I was so impressed a REAL human being (Karen) always answered the phone and directed me to proper person. The company also supports a dedicated mobile app that customers can use to manage their loans, including scheduling payments, updating account information, and checking the progress of their repayment schedule. We then reach out directly to you and go over the details and next steps in the loan process. Last. Lyon Financial, financing available 877-754-5966. lyonfinancial.net. Even fiberglass pool costs, which are often lower than the price of other pools, can run $29,178 on average. Lending Uncomplicated. Pool loan reviews can provide some insight, but homeowners may want to vet the best pool loan companies themselves as well. There is no prepayment penalty! viking capital financing click here: lyon financial click here ~ we autograph our work with excellence ~ roc 300590 / 300592. home about us gallery construction video packages contact us financing landscape selections . Viking Capital Pool Loan Credit Requirements are fairly simple and straightforward. Apart from work she likes dancing and listening to music. For many people, taking out a loan to finance the purchase of a swimming pool is a great way to enjoy all the benefits of having a pool without having to pay the entire cost upfront. to our Military Families. Apply Now and we will schedule your FREE Loan Consultation! With their easy-to-use platform and quick approval . Viking Capital Loan Specialists give personal attention to every borrower and take the time to understand their financing needs and qualifications. No Hassles - No Excuses - Quick Answers. Solved! This way, homeowners can feel confident that their contractor has the expertise, background, and skills needed to build a structurally sound pool and stay on schedule. In this case, it may make more sense to choose a different type of loan with a higher interest rate but lower monthly payments. This expertise is reflected in various aspects of the companys loan options, which are geared toward the logistics of financing backyard pools. Banks and credit unions may offer financing options for pools as well, and some homeowners may prefer to work with a local branch rather than a nationwide lender. Although its rate calculator can be a bit inaccurate due to certain baked-in criteriausers are assumed to have excellent credit, for instancethe tool gives borrowers a good idea of what their loan options look like and what amount they could owe each month throughout the life of the loan. A: Yes, the applicant must be listed as the owner of record on the deed to the property where the pool is to be constructed. We highly recommend them. It is a big financial investment, but its also a huge quality of life investment. We also look for any recent negative marks, such as bankruptcies or tax liens. Email * Question * Submit. The decision to build an inground swimming pool is a big one. Concord Pools & Spas. Family members must be lineal (spouse or direct-line ancestors and descendants. If youre considering a Viking pool, youre probably wondering how much it will cost. LightStream delivers a revolutionary swimming pool loan experience that allows customers to focus on their home improvement purchase, rather than on their financing. Visit Lyon Financial for More Information. A: We can work with most pool builders. TXOCCC# 10929-47787 Viking Capital is a family-owned business that has been in operation since 1999. There is no prepayment penalty! If youre considering a pool loan, you may be wondering about the difference between Viking Capital and Lyon Financial. Although some companies may charge lender fees like origination and application fees, the single largest expense borrowers will pay on a pool loan is interest. So easy a caveman can do it. What Is a USDA Home Loan, and How Do You Lower interest rates via the Rate Beat Program, Generous 0.5 percentage point autopay discount, User-friendly loan management via mobile app, Preferred contractor network of highly experienced pool builders, Scope of work information required for fund disbursement, Generous rate discount for military service members, Payment deferment available for unemployed borrowers, Wide variety of other loan types available. Call our in-house pool experts, and we ill help you make the best decision for you. Ryan Harris was our Viking Capital representative and we couldnt have been luckier. You control the terms of your LightStream swimming pool loan, repaying your fixed-rate home improvement loan in as little as two years, or take up to 12 years. Once you know your credit score, start shopping around with different lenders to see who can offer the best terms. One of the more common discounts homeowners might encounter while vetting pool loan companies is an autopay discount. How to Qualify for a Pool Loan with Bad Credit There is a minimum credit score of 625 required; however, it is not entirely credit score driven. You have 6 months from the approval date to use the shopping pass to pay for the pool and any extras you have purchased through your pool builder. No problem there but then I was told they wanted $1000 extra just to process payments to the people who would be doing the work. If you have loan needs, Viking Capital is your answer. And finally, dont forget to factor in the costs of installation and ongoing maintenance when budgeting for your new pool! I listened to him He was patient he would check my debit to credit ratio and explain where I was currently and where I had to be in order to get approved. Learn more about Birdeye, SEO for small business 2021 - Online reviews are the latest strategy. What's-app:+1 (657) 366-7359. * Loan terms and availability vary based on borrower qualifications and are subject to change without notice. You are only required to pay interest on the funds charged during the first 7 months of the loan. Personal loans can be used for just about anything, so you shouldnt have any trouble using one to finance your pool. Lyon Financial has successfully funded over 200,000 swimming pool loans. We've partnered with Viking Capital to offer financing for all our customers, at very affordable rates! Other companies may require several days to fund approved loans, so its good to know what their funding time frames look like beforehand. Viking Capital is the rare lender that specializes in pool loans, which may appeal to homeowners who want to work with a company that understands which financing terms make the most sense for. As noted, installing a poolparticularly an inground poolcan come with a hefty price tag. Beat local competitors. $$ [email protected] Closed now 9:00 AM - 5:00 PM Loan Service vikingcapitalinc Photos See all Quick funding time frames to give homeowners the money needed to pay for pool installations. JACKSON POOLS ALL RIGHTS RESERVED. NMLS# 42691 We use cookies to optimize our website and our service. This ensures that the contractor is receiving the appropriate payments in the appropriate increments. They offer financing terms up to 20 years, no consulting fees, low and fixed interest rates. Full consolidated financial statements for the year ended December 31, 2022 and 2021 and related MD&A for the same period can be found at www.sedar.com and the Company's website at www . . Learn More After 6 months, the card expires and your payment is locked in. Then, enter the interest rate and loan term (in years). You'll feel like the valued customer you are. First and foremost, youll need to have strong credit. A: We work across the 48 contiguous states of the United States. I would highly recommend them to anyone. Borrowers can also conveniently manage their loans through the lenders dedicated mobile app. Generally speaking, pool loan specialists will offer longer loan terms. If youre not sure where your credit stands, check your free annual credit report from each of the three major credit bureaus Experian, Equifax and TransUnion for errors or negative information that could be dragging down your score. Because there is so much variance from lender to lender, it may be a good idea to check the APR range offered by each pool loan provider before making a final decision. The smiles start here! The model is leaning Over, and it says one side of the spread has all the value. We strive to be a trusted employer, business partner and service provider and to conduct business with transparency, integrity and fairness. You might choose an ARM if you plan on selling your home within a few years and want to keep your monthly payments low during that time period. If you are considering financing a swimming pool, be sure to shop around for the best rates and terms. Payment example: Monthly payments for a $75,000 loan at 4.99% APR with a term of 15 years would result in 180 monthly payments of $592.70. Available on approved credit, not all will qualify. var year = new Date();document.write(year.getFullYear()); Every team member has the determination and know-how to provide you with a 5-Star worthy experience. Some of the best pool loan providers offer discounts that help eligible customers lower the total cost of their loan and owe less on their monthly payments. From pools to pergolas and everything in between, we understand that each and every loan is unique just like you, which is why we take the time to listen. Being self employed and having complicated taxes i was less then enthused to start the process. We work with multiple lenders, so we have multiple options. As long time members of the community, we try to do whatever we can to help our customers get the pool of their dreams. . Includes family by adoption and marriage). Borrowers may want to be sure that their loan amount will be large enough to cover the entire cost of installation, from site preparation and excavation to electrical work and lighting. Multiple Loan Options - including 10 and 12 year loans only available through Viking Capital. Name * First. There are many factors to consider when taking out a loan for a pool. You can check your rates with NO IMPACT TO YOUR CREDIT. HFS has one-of-a-kind loan programs and world-class service as shown by 1,500 + 5-star Reviews. Business Details Location of This Business 118 Morlake Dr STE 202, Mooresville, NC 28117-9540. When you have good to excellent credit, the choice is yours. A: We look at your overall credit health, including your credit score and debt-to-income (DTI) ratio. Also, keep in mind that the longer the term of your loan, the more interest you will pay over time. Whether you want to finance the pool, deck, landscaping and more, HFS is your trusted partner for the best loan and customer service in the home improvement industry. Viking Capital was the answer to our dream of adding a pool to our backyard living environment. Swimming Pool Financing. He was responsive, knowledgeable and clearly a subject matter expert in his field and the best part, no high sales pitch or pressure! Once they receive your pre-application, they will help you through the process of choosing a lender program that best fits your needs. The information you provide to Lyon Financial is not an application for a loan from Lyon Financial. A: Lyon Financial is a respected financing consultant, in business since 1979. My wife an I both have 800+ credit scores, no debt (besides the mortgage) so our debt to income ratio is < 15%. We fit you with the best for your needs and qualifications. In addition, some lenders may require more information and records than others, which can make the application process more onerous to complete and negatively affect the customer experience even before the loan is approved. We've come across this loan with a 12 year 7.99% (decent for an unsecured pool loan), and no prepayment penalty, but the credit aspect seems suspect and fishy.. What's the catch here? Highly recommend! Archived post. Viking Capital, established in 1999, is your one-stop-shop for desirable pool financing options. A bad credit score is generally considered to be any score below 630. Best Customer Service! You need JavaScript enabled to view it. You get one more interest-only payment but can no longer affect the payment going forward. A lower total cost may not make sense if the borrower will struggle to make loan payments each month. Term of 30 years requires a minimum FICO of 780. The average cost of an inground pool is $51,833, and prices could go even higher depending on the pools design, size, and materials. Advertised rates and terms are subject to change without notice. After understanding our loan needs, he shopped around for best fit, best price, best terms and was quick to close the deal. Customers can also explore a wide range of other loan products from this lender. In 2022 Loan Requests. She is very passionate about general health and beauty. We couldnt have. Another advantage of personal loans is that theyre typically unsecured, which means you wont have to put up any collateral (like your home) in order to qualify. Homeowners typically find it easy to get approved with a good credit score. Let us suggest the right program for you to make your swimming pool dream come true. Researching available pool loan options may take some time, but it could be worth the effort to find the right financing for a borrowers specific circumstances. The low rates and longer term loan options offer more affordable monthly payments. We act in the capacity of "consultant", working with contractors nationwide to help pair pool buyers with the best swimming pool financing options available. Thank You for all your help. That's why we have partnered with Lyon Financial to offer incredible financing rates! In fact, homeowners may receive the lowest pool loan rate possible using LightStreams Rate Beat Program, which pledges to beat any competitors APR by 0.1 percentage points. Our investments in technology keep your Your contractor charges your shopping pass at milestones stated in your pool contract with a required 30% draw at completion. Viking Capital, Inc. Jul 2022 - Present10 months Marketing Director Lyon Financial May 2015 - Jul 20227 years 3 months Lyon Financial specializes in financing solutions for swimming. Working with a single lender for all of their financing needs may be convenient for some homeowners who would prefer not to keep track of multiple loans with different lenders. Easy, done. We gave our Best Overall award to LightStream due to its low starting APR, autopay discount, Rate Beat Program, and same-day funding option. We are proud to offer these great loan options Need financing? The smiles start here! In some cases, lenders may be able to support quick turnaround times, depositing funds into a borrowers account within 24 hours of approval. Contact him, he's a. a good forex trader who knows the importance of risk management. Some of the other highlights of working with Lyon Financial: Loans up to $150,000 . Why It Made the Cut: Marcus by Goldman Sachs offers perks for borrowers who consistently pay their monthly installment on time. While many pool loan companies deposit funds directly into the borrowers bank account, some will want to send funds directly to the contractor. Viking Capital. We were pre approved for a loan. Unlike banks, credit unions, and online lenders, our experience is unique to pools, not just any type of loan. Viking Capital Pool Loan is a great way to get the money you need for your business. There are no prepayment penalties so you can pay off your loan early if you want to save on interest. Lyon Financial. A: Rates range from 4.99% APR* to 17.99% APR. A loans annual percentage rate (APR) reflects the total cost that the borrower will pay, including interest, lender fees, and other potential expenses. My representative (Kevin) explained my options perfectly, taught me about negative trade, and helped me fix something on my credit rating which was a mistake I didnt even know existed! This could save you thousands of dollars over the life of the loan. They offer a wide array of loan options and have the ability to work with borrowers in all credit tiers. Loans for non-pool/standalone home improvement projects may incur different rates and terms based on loan purpose. 11 Ways to Make the Most of Your Towns Curbside Whats the Difference? Viking Capital Loan Specialists give personal attention to every borrower and take the time to understand their financing needs and qualifications. He was responsive, knowledgeable and clearly a subject matter expert in his field and the best part, no high sales pitch or pressure! How much can you afford to borrow? Already a customer of ours? Home Improvement Loans with competitive rates, borrow up to $25,000, unsecured (no lien filed), and no appraisal required. Your assigned loan consultant (your go-to person) will contact you shortly to discuss your loan options. Its this commitment to exceptional customer service that sets us apart in everything we do. Installing an inground or above-ground pool can be a great way to beat the heat during the dog days of summer, entertain guests, and relax after a long day of work. The Runner-Up award goes to Lyon Financial because the lender specializes in this particular type of financing, offers low APR options, and provides lengthy loan terms. Then youve come to the right place! We offer a wide range of financing options through our four trusted partners: Lyon Financial, Viking Capital and Paramount. In most cases, before each stages 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. This can be beneficial because it allows you to work with just one company throughout the entire process. Why It Made the Cut: Lyon Financial specializes in pool loans, with low APR options and a wide range of lengthy loan terms, making this lender a good choice for homeowners who want to work with an experienced pool loan specialist. Taking advantage of this network can also help customers spend less time searching for one of the best pool installation companies. Financing Your Pool With Paramount Capital. Lyon Financial offers financing solutions for swimming pool and home improvement loans nationwide. Payment example: Monthly payments for a $50,000 loan at 6.49% APR with a term of 30 years would result in 360 monthly payments of $315.71. But there are financing options available that can help homeowners shoulder these costs and build a pool to their specifications. Some borrowers may qualify for an APR as low as 4.99 percent, which can help save them money on interest over the length of the loan. If the pool builder of your choice has not worked with us before, there is a brief setup process. One option for financing your pool is to get a personal loan from a bank or credit union. Accepting scores above 650 Loan Amounts Less Than $15,000 Rates as low as 5.99% No Fees No Credit Pulls Apply Now Multiple Offers in under 2 Minutes! The underwriter will review your entire credit profile, past payment performance, and experience with large secured and unsecured loans. A higher credit score indicates to lenders that youre a lower-risk borrower and more likely to repay your debt on time. CONTACT 941-371-2252. Viking Capital, Inc. is a family-owned business that has been offering the most desirable financing options available in the industry since 1999. There are a few different options available, and each has its own set of pros and cons. and not be charged any additional interest. As we researched the best pool loans, we focused on lenders offering competitive interest rates, flexible financing terms, generous discounts, and quick application and funding time frames. Such discounts could be an important factor to consider when looking at each lenders APR ranges, as eligible borrowers may be able to lower their rate and save some money on their pool financing. Some affiliates of Lyon Financial may offer a rate discount via AutoPay. Lyon Financial acts as an Account Manager and is not a lender or a broker. With dedicated pool loans, personal loans, home improvement loans, and home equity loans all on the table, it can feel a little overwhelming at times. Checking lenders APR ranges can help customers avoid higher pool loan rates, but they may want to consider the impact their own credit history and financial status will have on the APR that they are ultimately offered. Loans up to $75,000 Apply Viking Capital. Lengthy funding time frames could delay the building process if contractors move on to other jobs because the funds needed for a deposit are not immediately available. Birdeye helps millions of local businesses to be found online with all their reviews and accurate business information. [email protected] (817) 965-1411. Lyon Financial does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points, and loan programs offered by affiliates. APR, terms, and loan amounts may differ based on loan purpose and credit profile. David was great to work with and made sure that we were aware of everything that would happen along the way. Conversely, those with poor credit scores (300 or below) may have difficulty qualifying for any financing at all. This can make it difficult to qualify for traditional loans from banks or credit unions. More Loan Approvals - because we find the loan that's right for you. GC Residential Unlimited license #80889 5984 Six Forks Road Raleigh, North Carolina 27609.

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