Homes and Camps at Lake Elmore - Hero

Seasonal Home Mortgage

Financing your vacation home should be exciting.

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We can help you get away

We’re here to help make financing your seasonal vacation home as simple as possible. This loan is a good fit for homes that cannot be occupied year-round.

Benefits

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    Competitive rates

    Compare us with other institutions. You’ll find we have competitive rates to help you keep costs low.

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    20% downpayment

    A 20% downpayment is required on most seasonal mortgages, making your monthly payments more affordable.

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    Fixed rates available

    We offer a fixed-rate option for those who want to know what they’ll be paying every month.

Estimate your monthly payment

Enter the amount you wish to borrow to purchase or refinance your home, then calculate your estimated monthly payment.

Calculated payments shown are for estimation purposes only. Actual loan payment amount and interest rate will be disclosed at loan closing and may differ slightly.

Seasonal homebuying process

  • Number 1

    Determine how much you can afford

    Use our handy home mortgage calculator to get a rough estimate of the price range you should be looking in.

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    Apply for a mortgage

    It’s best to get prequalified when you’re shopping for your home so you know how much you can afford. Once you’re ready to buy, you can finalize the mortgage application or begin one.

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    Track your status

    Easily upload and access documents, and keep track of your loan status, in one place in our easy-to-use Loan Status portal.

Our Mortgage Origination Team is eager to help

We look forward to answering your questions and helping you find flexible and affordable home financing.

Meet our team

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Apply for a Seasonal Home Mortgage

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Disclosures

– Payment examples do not include amounts for taxes and insurance premiums and actual payment obligation may be greater than illustrated. APR = annual percentage rate.
– APR = annual percentage rate. Fixed rate mortgage payment example: A fixed rate loan of $180,000 for 15 years at a 4.625% interest and an APR of 4.71% is a $1,389.00 monthly payment. Adjustable rate mortgage payment example: The adjustable rate mortgage is a variable rate loan; interest rates and payments may increase after the original fixed-rate period. Your interest rates and payments may increase after the original fixed-rate period. A loan for $180,000 at a 2.500% initial interest rate and APR of 3.454%, subject to increase, will have the following monthly payment: 12 payments of $711.22 at an interest rate of 2.50%, 347 payments of $711.22 at an interest rate of 3.50% and 1 payment of $805.67 at an interest rate of 3.50% based on the current index plus a margin.