HOA, Permits, and Financing — Common Questions Answered
The questions every client asks before signing — HOA submittals, City of Phoenix permits, and how people actually pay for these projects.
HOA approval
Most Phoenix HOAs require Architectural Review Committee (ARC) approval BEFORE permitting. Submittal needs site plan, elevations, material samples, color swatches, and plant list. Typical review: 2–6 weeks. Permit and HOA requirements vary by project and governing authority or association. Permit, engineering, and HOA responsibilities are defined in the signed proposal. When included in AE's written scope, our team may prepare, coordinate, or submit applicable documents. Homeowner responsibilities may apply; required approvals must not be skipped.
City permits
- Pool: required citywide — engineering, plumbing, electrical, gas, barrier compliance.
- Structures over 200 sq ft: building permit required.
- Outdoor kitchen: plumbing + gas + electric permits.
- Glass pool fence: structural permit.
- Turf, pavers, plants (under 200 sq ft structures): typically no permit.
Financing options
Most clients use one of: home equity line (lowest rate), pool/outdoor-living installment loans (Lyon Financial, HFS, Lightstream — soft credit pull, fast), or cash-out refi. We don't sell financing but can introduce you to our preferred partners. Average loan term: 10–15 years.
Payment schedule on builds
Industry standard: 10% at signing, then progress draws tied to milestones (excavation, shell, deck, finish, completion). Never pay 50%+ upfront — that's a red flag.
