Second Home Mortgage Rates for Feb 24, 2026
Compare second home mortgage rates for vacation properties. See today's offers below. Want a personalized quote? Connect with a licensed broker.
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About second home mortgages
A second home is a property you use for personal enjoyment—a vacation home, lake house, or weekend retreat. Lenders require you to occupy it a minimum number of days per year. Second home loans typically have higher rates and down payment requirements than primary residence loans but better terms than investment property loans. Compare rates above and connect with a broker to find the best fit.
Second home advantages
- ✓Personal retreat getaway when you need it
- ✓Potential rental income when you're not using it
- ✓Appreciation build equity in a second property
- ✓Future retirement may become primary residence
Things to consider
- •Higher down payment typically 10-20% required
- •Higher rates than primary residence loans
- •Stricter DTI lenders may limit debt-to-income
- •Insurance and upkeep two properties to maintain