The Second Home You Keep Coming Back To.
Financing for vacation and second homes: purchase, refinance, or cash-out on single unit properties, with conforming and jumbo options for qualified buyers.*
One loan. Flexible ways to buy.
However you earn, there’s likely a path to approval.
- Single unit second and vacation homes
- Standard documentation: income, assets, and credit
- Purchase, rate and term refinance, or cash out*
- You occupy it part of the year rather than renting it out
- Conforming and jumbo options available*
- Mortgage insurance may be eligible for removal once you reach sufficient equity*
Loans from eligible amounts up to conforming loan limits*
Buy, refinance, or take cash out
Single unit second and vacation homes
Standard documentation: income, assets, and credit
Down payment requirements sit above a primary residence*
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Second Home Loan?
A home you use yourself, financed as a second home rather than a rental
The Saxton Second Home Loan is a full-featured mortgage that follows Fannie Mae and Freddie Mac guidelines, written for the place you go back to rather than the one you rent out.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with loan amounts up to $832,750, or up to $1,249,125 in higher-cost counties.*
Why choose the Saxton Second Home Loan?
Built for buyers financing a getaway they will actually use.
Two Homes, One Borrower
Qualifying counts both mortgages, so the payment on your first home is part of the picture from the start.
A Home You Use, Not Rent
A second home is occupied by you rather than rented out. Rental use puts the property into investment territory, which is priced differently.
Resort And Lake Markets
Second home demand concentrates where people already spend time, and those markets price differently from primary ones.
Equity In The Second Place
Cash out is available on an eligible second home, subject to the requirements that apply to that occupancy.*
Insurance With An End
Where mortgage insurance applies it may be eligible for removal once you have built enough equity.*
Conforming Or Jumbo
Which side of the conforming limit the price falls on decides which program you are in.*
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about financing a vacation or second home.
Loan limits follow the annual conforming limits set by county. For 2026 the one-unit limit is $832,750, rising to $1,249,125 in higher-cost counties, with jumbo options above those limits.
Second home occupancy has specific requirements. A property rented out full time is financed as an investment property.
A single unit property you occupy part of the year. Occupancy requirements are confirmed at underwriting.
There is no fixed minimum credit score on this program. Eligibility is determined by automated underwriting, which weighs your credit history alongside your income, assets, and the property. Stronger credit generally opens more options.
More than on a primary residence and less than on a rental. The exact requirement moves with your credit profile and the property.*
Yes. Fixed-rate and adjustable-rate (ARM) options are available on eligible programs.
Yes. Cash-out refinancing is available on eligible single unit second homes.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Second Home Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
- Consumer Financial Protection Bureau, mortgages
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Loan limits follow the annual conforming limits set by county. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.