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Vacation & 2nd Home Loans

Get the funds you need to buy your dream vacation home

When it comes to homes, the more the merrier! With a Vacation & 2nd home loan from SFCU, you can purchase the home of your dreams to make it easy to get away from it all.

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Competitive rates

Save money on your mortgage with lower rates compared to many other financial institutions. Both fixed and ARM options are available.

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Variety of repayment terms

Find a term that works best for your budget and goals with a wide variety of repayment terms available.


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As low as APR*

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Competitive rates

Save more money over the course of your loan

Buying a second or vacation home doesn't have to break your budget. Get a competitive fixed or adjustable rate so you can spend more money on fun when you visit your new house on vacation!

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Variety of repayment terms

Choose a term that works best for your budget

Every budget is different. That's why you can choose from a variety of repayment terms when you work with SFCU for your vacation and second home mortgage. Enjoy more control over your monthly and total payment for financial flexibility.

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    • ARM products are based on a 30 year amortization
    • 1st Mortgage, Owner occupied
    •  80% of Purchase Price or Appraised Value whichever is less
    • Greater than 80% LTV requires PMI Insurance
    • Vacation Homes/2nd homes are .25% higher and require 20% down payment
    • Manufactured Loans minimum down payment 20%, New Home only for ARM’s; new and used available for fixed rates
    • Escrow may be required
    • One to four family primary residence; no commercial property
    • Adjustable Rate Mortgage rate and payment changes:
      The rate indicated for adjustable rate mortgages is the initial rate and is subject to increase.
      For example; the 5/1 Year ARM will have a constant interest rate for the first five years. Adjustable rates may change annually based on an “Index”.
      Before each Change Date, we will calculate the new interest rate by adding the “Margin” to the “Current Index”. The result will then be rounded to the nearest one-eighth of one percentage point (0.125%) which will be the new rate.
      The rate may not adjust more than the “Max Rate change per Period” indicated above on each “Change Date”. The total loan adjustment will not adjust more than the Lifetime Cap indicated above over the “Life time Change” of the loan.

    NMLS# 609016

How it works

It's easy to get a Vacation and 2nd Home Loan with us.

  • 1

    Complete an application

    Our friendly mortgage professionals will guide you through the application process.

  • 2

    Get approved

    We'll let you know if you're approved, sometimes instantly!

  • 3

    Buy your new home

    Use the funds to purchase your vacation or second home.

Contact a Mortgage Specialist


Have a question? Get in touch with us

Who says a vacation home is out of reach?

With a Vacation and 2nd Home Loan from SFCU, you can enjoy low rates and a variety of terms to help you purchase the house of your dreams and add some more fun to your life.