Second Home Loans
Finance your vacation home, weekend house, or seasonal property with programs designed for second-home buyers.
Overview
Second home financing allows you to purchase a property you intend to occupy part-time — a vacation home, beach house, mountain retreat, or weekend property. Second homes have different lending requirements than primary residences or investment properties, with slightly higher down payments but still competitive rates.
Who Is This For?
- Buyers purchasing a vacation or seasonal property
- Families wanting a weekend retreat
- Professionals maintaining homes in two locations
- Pre-retirees buying a future retirement home
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Get Pre-Approved
Know your second-home budget and program options.
Find Your Property
Search for the right vacation or seasonal home.
Make an Offer & Close
Your advisor manages the financing through closing.
Frequently Asked Questions
Most conventional programs require 10% down for a second home. Jumbo programs may require 10–20%.