85% LTV Loan for Second Homes

Second Home Financing Made Easy: 85% LTV Loan Solutions

Purchasing a second home is an exciting milestone, but finding the right financing can often feel complex. Our 85% LTV Loan for Second Homes simplifies the process by offering flexible qualification options and tailored loan features, allowing you to bring your vision of a vacation home or investment property to life. Whether you prefer traditional documentation, bank statements, or 1099 income verification, this product is designed to meet your needs and help you confidently achieve your real estate goals.

▾ Who is this loan ideal for?

This product benefits borrowers who:
Want a vacation home, weekend getaway, or seasonal property
Prefer a lower down payment option
Have strong credit and financial reserves
Want to avoid Jumbo loan-level down payments

▾ What qualifies as a second home?

A second home is a property that is:
Occupied by the borrower for part of the year
Suitable for year-round use
Not rented out full-time
Located a reasonable distance away from the borrower’s primary residence
Short-term rental use may be allowed, depending on lender guidelines.

▾ What is the minimum down payment required?

You can put as little as 15% down (85% LTV) for eligible second home properties.

What Is the 85% LTV Loan for Second Homes?

The 85% Loan-to-Value (LTV) Loan for Second Homes is a specialized financing solution for borrowers looking to purchase or refinance a second property. With up to 85% LTV, a minimum FICO score of 720, and multiple income verification options—including full documentation, bank statements, and 1099 income—This loan is suitable for various borrower profiles. Additionally, the option for interest-only payments up to 85% LTV makes it attractive for those seeking lower monthly payments or improved cash flow.

Benefits of the 85% LTV Loan for Second Homes

High Loan-to-Value Ratio
Finance up to 85% of your second home’s value, minimizing your down payment and keeping more cash in your pocket.
Flexible Income Verification Options
Choose from full documentation, bank statements, or 1099 income to qualify, ensuring the process works for your unique financial situation.
Interest-Only Payment Option
Enjoy reduced monthly payments with the interest-only option up to 85% LTV, ideal for managing cash flow or reinvesting funds elsewhere.
Competitive Terms for High Credit Scores
With a minimum FICO score of 720, you’ll benefit from favorable loan terms and competitive rates.
Wide Property Eligibility
Perfect for second homes, whether you’re eyeing a serene retreat, a bustling city condo, or an investment property in a prime location.
Tailored for Diverse Borrower Profiles
Whether you’re a salaried professional, self-employed, or an independent contractor, this loan accommodates multiple income types to fit your financial profile.
No Rental Restrictions
Use your second home as a vacation getaway or a rental property for additional income—this loan supports your goals.

The 85% LTV Loan for Second Homes is your gateway to owning the property you’ve always dreamed of. With high LTV options, flexible qualification methods, and the ability to make interest-only payments, this loan empowers you to make confident real estate decisions.

Whether you’re purchasing a tranquil second home, diversifying your investments, or planning for future income opportunities, this loan offers the perfect balance of flexibility and value. Reach out to our team today to learn how we can help make your second homeownership dreams a reality.

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