Closed on new house this year, regret I did not just put pool in when we built it. LTV was 65% so I have some equity. Thinking about a refinance or equity loan so I can put pool in now. Rates have ticked back up a little so I would likely go from 3.375 to 3.5, but I am thinking with interest deduction this might still be a better move than a separate note with higher rate. Could probably pay of pool in a couple years if needed. Any thoughts on refi vs home equity loan vs personal loan???
Pools are a pain in the ass, and a lot of people involved in the installation/maintenance of pools are crooks or just overall shitty people to do business with. Once your pool is built, don't expect anything more out of them, as they will make all kinds of promises only to leave you hanging in the wind while your pool deteriorates (of course this is assuming they even finish the job).