Your Go-To Resource for Vacation Home Loans!

Want to learn more about Vacation Home Loans?

Vacation Home Loans

Owning a vacation home can be great for your own personal use and it's also a smart investment! With a vacation home loan, you must use the property for some portion of the year for personal use, but there are no restrictions on short or mid-term renting it while you're not using it.

  • Conventional & non-conventional options available
  • 10% down minimum
  • 660 minimum FICO
  • No mortgage insurance required on some programs
  • Available nationwide (except NY)

Do I Qualify?

As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years