Main Content
Select the search type
  • Site
  • Web

pool loans rates banner image

Skip Text

Secured Loans - Rates and Terms

Home Improvement (Pool Loans) Rates for 15-Yr Terms

≤ 80% CLTV 750+ 749 - 725 724 - 700
  $150K $150K $100K
3.99% 4.25% 4.50%
≤ 90% CLTV 750+ 749 - 725 724 - 700
  $90K $90K $75K
4.125% 4.375% 4.625%




Appraisal Requirements

Homes purchased within last 24 months:

  • If you purchased your home within 24 months you can use your sale price.

Homes purchased more than 24 months ago:

  • If your loan amount is $20,000- $90,000 you can use most recent county tax assessment.
  • If your loan amount is $ 90,001-$150,000 you will need a new appraisal.
Paid by borrower and must receive payment by credit card, prior to ordering appraisal.

Standard Closing Costs

  • $15 Flood Certificate
  • $60 Recording (Counties vary)
  • $4 E-Recording Fee
  • $105 Title Report
  • $325 Courtesy Closing Fee
  • $150 Processing Fee

Appraisal if required $650 estimate


APPLY NOW (Online Application)

  • 100% pool contractor financing up to $150,000
  • Same day decisions in most cases
  • 5/10/15/20 year terms
  • 30 year amortization/15 year balloon
  • Dollar for dollar add back up to $75,000





Loan Specialist

Kelly Geer


Shawn Ramos


Daryl Frevert


Lending Center


Physical Address:
11201 Clay Road
Houston, TX 77041




Member FDIC • Equal Housing Lender • ©Copyright 2021 by Central Bank

You are leaving Central Bank's web site.

The web site you have selected is an external one located on another server. Central Bank has no responsibility for any external Web site. It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site.

Thank you for visiting Central Bank's Web site.


Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that Internet email is not a secure method of communication. Please do not submit any information that you consider confidential. We recommend you do not include any specific identifying information such as your social security, account, PIN numbers, date of birth, etc...


Affiliate Website Notice

By clicking Continue, you will be taken to our affiliate's website. Products and services offered shown will be provided by our affiliated entity. Some products offered may not be FDIC insured. Please read the privacy and security policies on our affiliate's website. In some instances, these policies may differ from those of FIS 2020.