Second Home Loan
Financing for vacation homes or seasonal getaways, with flexible options to fit different budgets and lifestyles.
Second Home Loan Features
Vacation & Seasonal Homes
Finance a home you'll use for part of the year, separate from your primary residence.
Competitive Down Payments
Second home down payments are often lower than for investment properties.
Fixed or Adjustable Rates
Choose the rate structure that fits your plans.
Conforming & Jumbo Amounts
Options available for a wide range of price points.
Second Home Loan Benefits
- 01
Enjoy a Getaway
Own the place you love to escape to.
- 02
Favorable Terms
Second home financing often has better terms than investment property loans.
- 03
Long-Term Value
Build equity in an additional property over time.
- 04
Personalized Guidance
We'll help you understand occupancy rules and qualification.
Loan Program Frequently Asked Questions
What counts as a second home?
Generally a one-unit property you occupy for part of the year, a reasonable distance from your primary home, and not primarily used as a full-time rental.
Can I rent out my second home?
Limited rental may be allowed, but rules vary. Ask your loan officer before committing to rental plans.
How much do I need to put down?
Down payment requirements vary by program and borrower profile.
Will I need cash reserves?
Many programs require reserves covering several months of payments. Your loan officer can confirm the amount.