Financing for eligible residences you personally occupy part of the year.
Overview
Second-home classification depends on the borrower’s personal use and the program’s occupancy and property rules. A home occupied only by a family member is not automatically a second home for mortgage purposes.
Rental arrangements, management agreements, property type, and year-round suitability can affect eligibility. Explain your intended use accurately. Pricing varies, so compare current terms rather than assuming second-home financing will always be cheaper than investment financing.
Who it's for
What's typically reviewed
This is a general description, not a guarantee of approval. Specific requirements vary by lender and program. Final qualification is determined during underwriting.
Browse more programs
Purchase Loan
Financing to buy a primary residence, second home, or investment property.
Rate & Term Refinance
Replace your current mortgage with a new one at a different rate or term — without taking cash out.
Cash-Out Refinance
Replace your existing mortgage with a larger loan to access available equity.
Conventional Loan
Mortgage financing that is not insured or guaranteed by a government agency.