Vacation Home & Second Home Equity Loans
Have equity in your vacation home or second home? We offer cash-out refinance and home equity loans for second homes — using your primary residence income to qualify, with competitive rates and fast closings.
Program Highlights
- Up to 85% CLTV on second homes
- Qualify using primary residence income
- Fixed 30-year, 15-year, and ARM options
- Rates from 5.75%
- Loan amounts from $75,000 to $2M+
- Texas, Florida, Colorado & nationwide
- Airbnb & VRBO rental income considered
What Counts as a Second Home?
A second home is a property you occupy part of the year — a lake house, beach cabin, ski condo, or vacation retreat. It differs from an investment property in that you personally use it (not just rent it out). We can do both — but the programs and rates differ slightly.
Using Your Vacation Home Equity
Many homeowners don’t realize their vacation property has built up significant equity — especially in popular Texas markets like Galveston, South Padre Island, New Braunfels, and the Hill Country. That equity can be accessed as cash for renovations, other investments, or debt consolidation.
Short-Term Rental Properties
Own an Airbnb or VRBO? We can use short-term rental income to help you qualify — even without a traditional lease. Ask about our STR loan programs.
Get a Free Quote on Your Vacation Home