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A swimming pool is one of the best investments you can make in your family’s happiness and your home’s value. But let’s be honest—pools aren’t cheap. The good news? You don’t have to pay for everything upfront.

At Sharpe Design Pools, we’ve partnered with Lyon Financial to offer our clients flexible financing options that make pool ownership achievable for more families.

Why Finance Your Pool?

Preserve Your Savings

Even if you have the cash to pay for a pool outright, financing allows you to keep your savings intact for emergencies or other investments. With today’s competitive loan rates, the cost of financing may be less than the opportunity cost of depleting your savings.

Start Enjoying Sooner

Why wait years to save up when you can start enjoying your pool this summer? Financing lets you build your dream backyard now and pay over time.

Increase Home Value Immediately

A well-designed pool can add significant value to your home. By financing, you’re essentially leveraging future equity to create present enjoyment.

Tax Considerations

In some cases, pool financing may offer tax benefits, especially if it’s secured by your home. Consult with a tax professional to understand your specific situation.

Lyon Financial: Our Financing Partner

Sharpe Design Pools is proud to be a preferred partner with Lyon Financial, the nation’s leading swimming pool lender. Since 1979, they’ve specialized exclusively in pool financing.

Lyon Financial Benefits

Loan Amounts: $10,000 to $200,000

Competitive Rates: Some of the lowest rates in the industry

Flexible Terms: Up to 30 years to repay

Quick Approval: Get pre-approved in minutes

No Home Equity Required: Unsecured loan options available

Simple Process: Easy online application

Veteran Programs: Special rates for military families

Sample Monthly Payments

To give you an idea of what pool financing might look like:

Loan Amount	10-Year Term	15-Year Term	20-Year Term
$50,000	~$575/month	~$425/month	~$350/month
$75,000	~$860/month	~$640/month	~$525/month
$100,000	~$1,150/month	~$850/month	~$700/month

Rates vary based on credit score and loan terms. These are estimates only.

The Financing Process

Getting pool financing is simpler than you might think:

Step 1: Get Pre-Approved

Before finalizing your pool design, get pre-approved with Lyon Financial. This takes just minutes and doesn’t affect your credit score. Knowing your budget helps us design the perfect pool for your needs.

Step 2: Design Your Pool

Work with Sharpe Design Pools to create your custom pool design. We’ll provide detailed 3D renderings and a complete quote.

Step 3: Finalize Your Loan

Once you’ve approved your pool design, complete your loan application with Lyon Financial. Approval typically takes 24-48 hours.

Step 4: Build Your Dream Pool

With financing secured, we’ll begin construction. Your first payment typically isn’t due until after your pool is complete.

What Can Be Financed?

Your pool loan can cover more than just the pool itself:

• Pool construction (gunite or fiberglass)
• Attached spa or hot tub
• Pool equipment (pumps, filters, heaters)
• Automatic pool covers
• Decking and coping
• Water features
• Lighting
• Landscaping around the pool
• Outdoor kitchens and living spaces
• Privacy fencing

Tips for Getting the Best Financing

1. Check Your Credit: Review your credit report before applying and address any errors
2. Compare Options: Get quotes from multiple lenders to ensure competitive rates
3. Consider Total Cost: A longer term means lower payments but more interest over time
4. Plan for Extras: Include a buffer in your loan amount for unexpected additions
5. Get Pre-Approved Early: Knowing your budget helps streamline the design process

Ready to Make It Happen?

Don’t let financing concerns delay your backyard dreams. Contact Sharpe Design Pools for a free consultation, and we’ll connect you with Lyon Financial to explore your financing options.

You could be swimming in your new pool sooner than you think!

Apply for Financing through our Lyon Financial partnership page.

Building a swimming pool in California comes with specific regulations and requirements that homeowners need to understand. At Sharpe Design Pools, we handle all the permitting and compliance details for our clients, but it’s helpful to know what’s involved.

Here’s your guide to California pool regulations and the permit process.

Pool Barrier and Safety Requirements

California has strict pool safety laws designed to protect children. The Swimming Pool Safety Act requires at least one of the following seven safety features for all new pools and spas:

1. Pool Fencing: An enclosure that meets specific height and design requirements (at least 60 inches high, with no openings larger than 4 inches)

2. Self-Closing, Self-Latching Gates: All gates must close and latch automatically

3. Pool Cover: A motorized safety cover that meets ASTM standards

4. Exit Alarms: Doors providing direct access to the pool area must have alarms

5. Self-Latching Devices: On all doors with direct pool access

6. Pool Alarm: A floating alarm that detects unauthorized entry into the water

7. Other Approved Methods: As determined by local building officials

Most homeowners choose a combination of fencing and self-closing gates as their primary barrier solution.

The Permit Process

What Permits Are Required?

Building a swimming pool typically requires:

• Building Permit: For the pool structure itself
• Electrical Permit: For pumps, lights, and other electrical components
• Plumbing Permit: For pool plumbing and equipment
• Grading Permit: If significant earth moving is required
• Encroachment Permit: If work affects public areas

The Permit Timeline

The permit process in the Sacramento area typically takes 2-4 weeks, though this can vary by jurisdiction. Here’s what to expect:

1. Plan Submission: Detailed pool plans including dimensions, equipment locations, and safety features
2. Plan Review: City or county officials review for code compliance
3. Corrections (if needed): Address any issues identified in review
4. Permit Issuance: Once approved, construction can begin
5. Inspections: Multiple inspections throughout construction

Required Inspections

Your pool project will typically require these inspections:

• Setback Inspection: Verifying pool placement meets property line requirements
• Pre-Gunite/Pre-Shell: Checking steel reinforcement and plumbing before concrete
• Equipment Bonding: Ensuring all metal components are properly grounded
• Final Inspection: Complete review before filling the pool

Setback Requirements

Pools must maintain minimum distances from property lines, structures, and utilities:

• Property Lines: Typically 3-5 feet minimum (varies by jurisdiction)
• Septic Systems: At least 10 feet from septic tanks and leach fields
• Power Lines: Safe distances from overhead electrical lines
• Easements: Cannot encroach on utility or access easements

Energy Efficiency Requirements

California’s Title 24 energy code includes requirements for pool equipment:

• Variable Speed Pumps: Required for pools with pumps over 1 HP
• Pool Covers: Required for heated pools
• Timer Controls: Automatic controls for filtration and heating systems

Why Work with a Licensed Contractor?

At Sharpe Design Pools (License #1031834), we handle all permits and inspections as part of our comprehensive service. Working with a licensed contractor ensures:

• Proper permit applications and approvals
• Code-compliant construction
• Passing inspections the first time
• Warranty protection
• Liability coverage

Attempting to build a pool without proper permits can result in fines, required removal, and problems when selling your home.

Let Us Handle the Details

Pool regulations can seem overwhelming, but you don’t have to navigate them alone. Sharpe Design Pools manages the entire permit process, from initial application through final inspection. We know the local requirements in Placer County, Sacramento County, and surrounding areas.

Contact us to learn more about building your dream pool the right way!

One of the biggest decisions you’ll make when planning your swimming pool is choosing between gunite (concrete) and fiberglass construction. Both options have their advantages, and the right choice depends on your specific needs, budget, and timeline.

At Sharpe Design Pools, we specialize in both gunite and fiberglass pool installation, so we can help you make an informed decision. Here’s what you need to know about each option.

Gunite Pools: The Custom Choice

What is Gunite?

Gunite is a mixture of concrete and sand that’s sprayed onto a rebar framework to create your pool’s shell. Once applied, it’s shaped by skilled craftsmen and then finished with plaster, pebble, or tile.

Advantages of Gunite Pools

Unlimited Customization: This is the biggest advantage of gunite. Want a freeform lagoon shape? A geometric modern design? A pool that wraps around your existing patio? Gunite can do it all. You have complete control over shape, size, depth, and features.

Durability: A well-built gunite pool can last 50+ years. The concrete shell is incredibly strong and can handle extreme temperature fluctuations.

Can Be Refinished: When the interior surface shows wear (typically after 10-15 years), it can be replastered without replacing the entire pool.

Increases Home Value: Custom gunite pools are often seen as premium additions and can significantly boost your property value.

Considerations for Gunite Pools

• Longer construction time (8-12 weeks typically)
• Higher initial cost
• More maintenance required (brushing, chemical balancing)
• Rougher surface texture

Fiberglass Pools: The Efficient Choice

What is Fiberglass?

Fiberglass pools are manufactured off-site in a controlled factory environment. The one-piece shell is then transported to your property and installed in an excavated hole.

Advantages of Fiberglass Pools

Fast Installation: Most fiberglass pools can be installed and filled within 2-3 weeks. You could be swimming in your new pool in less than a month!

Low Maintenance: The smooth, non-porous surface of fiberglass resists algae growth and requires fewer chemicals to maintain proper water balance.

Smooth Surface: No rough spots to scrape your feet or swimsuits.

Lifetime Structural Warranty: Quality manufacturers like Imagine Pools offer lifetime warranties on the pool shell.

Energy Efficient: Fiberglass naturally insulates better than concrete, which can reduce heating costs.

Considerations for Fiberglass Pools

• Limited to pre-designed shapes and sizes
• Maximum width limited by transportation requirements
• Cannot be customized after installation
• May not fit extremely irregular yard shapes

Which Pool is Right for You?

Choose Gunite if:

• You want a completely custom design
• Your yard has unusual dimensions
• You want integrated features like attached spas or beach entries
• Budget and timeline are flexible
• You prioritize long-term customization potential

Choose Fiberglass if:

• You want to be swimming as soon as possible
• You prefer lower maintenance requirements
• A pre-designed shape fits your space and vision
• You appreciate the smooth surface and warranty protection
• You want predictable pricing

The Sharpe Design Pools Advantage

Whether you choose gunite or fiberglass, Sharpe Design Pools brings the same commitment to quality, craftsmanship, and customer satisfaction. We’ll guide you through the decision-making process with honest advice tailored to your specific situation.

Ready to explore your options? Contact us for a free consultation and 3D design rendering of your future pool!

So your family decided to get a swimming pool. Congratulations! A backyard pool is one of the best investments you can make for your family’s enjoyment and your home’s value. But where do you start?

At Sharpe Design Pools, we’ve helped countless Sacramento-area families navigate the pool construction process. Here are our top tips for planning your pool build.

1. Determine Your Budget

Before you start dreaming about waterfalls and infinity edges, it’s important to establish a realistic budget. Pool costs vary widely depending on the type (gunite vs. fiberglass), size, and features you want. Don’t forget to factor in:

• Permits and inspections
• Landscaping around the pool
• Pool equipment (pumps, filters, heaters)
• Fencing requirements (required by law in California)
• Ongoing maintenance costs

The good news is that financing options are available through partners like Lyon Financial, making your dream pool more accessible than ever.

2. Consider Your Yard’s Layout

Not every yard is created equal. Before designing your pool, consider:

• The slope of your property
• Existing trees and their root systems
• Underground utilities
• Sun exposure throughout the day
• Views from inside your home
• Privacy from neighbors

A professional consultation can help identify potential challenges and opportunities you might not have considered.

3. Choose the Right Pool Type

Gunite Pools

Gunite (concrete) pools offer unlimited customization. You can create virtually any shape, size, or depth. They’re incredibly durable and can be replastered and updated over time. However, they take longer to build (typically 8-12 weeks) and require more maintenance.

Fiberglass Pools

Fiberglass pools come in pre-manufactured shapes and are installed much faster (often in just a couple of weeks). They have a smooth, non-porous surface that resists algae growth and requires less chemical maintenance. Modern fiberglass pools from manufacturers like Imagine Pools offer beautiful designs and lifetime warranties.

4. Think About Features

Consider which features are must-haves versus nice-to-haves:

• Spa/hot tub attached to the pool
• Tanning ledge or baja shelf
• Water features (waterfalls, fountains, deck jets)
• Lighting for nighttime swimming
• Automatic pool cover
• Heating system for year-round use

5. Plan for the Future

Think about how your family will use the pool in 5, 10, or even 20 years. Will you need:

• A shallow play area for young children?
• A diving board for teenagers?
• Easy entry options as you age?
• Space for entertaining large groups?

Ready to Get Started?

Contact Sharpe Design Pools today for a free consultation. We’ll visit your property, discuss your vision, and create a custom 3D design that brings your backyard dreams to life. With our family values and commitment to quality, we’ll make sure your pool construction experience is as enjoyable as the finished product.

Contact Us to schedule your free consultation today!