This site will answer many of your questions about mortgages. Many Valley of the Sun homeowners consider having a pool a necessity. When purchasing a new home it is often wise to include the cost of the pool in the mortgage.
Most people live in their home between five and seven years before moving.
Including a pool in your first mortgage allows you the freedom to activate an equity financing second loan later for other purposes. Financing a pool in the 1st mortgage is available with most new home builders and sometimes can be accomplished on a resale home depending on the lender.