Renovate or add a Pool to an already in place NACA mortgage

Home Forums Member Assistance Program (MAP) Renovate or add a Pool to an already in place NACA mortgage

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    Hello, i am curious if we are allowed to put a pool in or renovate our current NACA home. If we did a pool would it be okay for a 3rd lien to be placed on the property? Does NACA offer anything that helps with remodeling after the fact? We bought our home in August 2020. By remodeling i am meaning a master bath reno.

    We would really love to have a pool put in but we dont want to break any rules that could make the lender call our note due immediately


    Hello Horns4life79,

    The bathroom renovation may be a possibility though I have doubts for the pool.

    First, NACA does not do any “after the fact” lending for repairs or renovations. Only building funds into the original loan is allowed.

    We do often allow you to obtain an equity loan for repair or renovation. You will have to obtain permission from our MAP department. However, you will find the rules of the HAND department will still largely apply here, requiring that the work done maintain or improve the value of the property. Pools, sports courts and so on are generally not allowed.

    You will simply have to contact the MAP department to find out exactly what can be done.

    Tim Trumble
    Online Operations, NACA


    Am i allowed to do a 3rd lien position loan for a pool? or does NACA not allow me to put additional liens on the property without their consent?



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