85% LTV Loan for Second Homes

The 85% Loan-to-Value (LTV) Loan for Second Homes is a specialized financing solution for borrowers looking to purchase or refinance a second property. With up to 85% LTV, a minimum FICO score of 720, and multiple income verification options—including full documentation, bank statements, and 1099 income—This loan is suitable for various borrower profiles. Additionally, the option for interest-only payments up to 85% LTV makes it attractive for those seeking lower monthly payments or improved cash flow.

1. High Loan-to-Value Ratio 
   Finance up to 85% of your second home’s value, minimizing your down payment and keeping more cash in your pocket.
   
   
2. Flexible Income Verification Options 
   Choose from full documentation, bank statements, or 1099 income to qualify, ensuring the process works for your unique financial situation.
   
   
3. Interest-Only Payment Option 
   Enjoy reduced monthly payments with the interest-only option up to 85% LTV, ideal for managing cash flow or reinvesting funds elsewhere.
   
   
4. Competitive Terms for High Credit Scores 
   With a minimum FICO score of 720, you’ll benefit from favorable loan terms and competitive rates.
   
   
5. Wide Property Eligibility 
   Perfect for second homes, whether you’re eyeing a serene retreat, a bustling city condo, or an investment property in a prime location.
   
   
6. Tailored for Diverse Borrower Profiles 
   Whether you’re a salaried professional, self-employed, or an independent contractor, this loan accommodates multiple income types to fit your financial profile.
   
   
7. No Rental Restrictions 
   Use your second home as a vacation getaway or a rental property for additional income—this loan supports your goals.
   
   The 85% LTV Loan for Second Homes is your gateway to owning the property you’ve always dreamed of. With high LTV options, flexible qualification methods, and the ability to make interest-only payments, this loan empowers you to make confident real estate decisions. 
   
   Whether you’re purchasing a tranquil second home, diversifying your investments, or planning for future income opportunities, this loan offers the perfect balance of flexibility and value. Reach out to our team today to learn how we can help make your second homeownership dreams a reality.