To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

A Vacation Home of Your Very Own

Whether you want to be near the beach, secluded in the mountains or closer to family, buying a second home is exciting. We can help get you into your dream vacation home with great options and low rates on second-home financing.

To be eligible, the property must be:

  • a one-unit home
  • occupied by the owner for a portion of the year (may be occasionally rented, but rental income cannot be used to qualify)
  • not operated by a management firm that has control over occupancy

Loan Features

  • Down payments as low as 5%
  • No Private Mortgage Insurance (PMI) required

To get rates for our second home financing, call 1-888-842-6328 today.

Ready to apply? Sign in to get started.

Apply Now for a Second Home Financing

Not a member? Join today to become a member.

Visit Our Home Buying Center

Our Home Buying Center has everything you need to de-stress your next address. Get the best loan option for you, a Verified Preapproval, connections with experienced real estate agents and plenty of opportunities to save money.

Learn More about our Home Buying Center

Find a Real Estate Agent1

Finding the right home starts with finding the right real estate agent. Use RealtyPlus® to connect with a top-performing real estate agent in your area. Plus, you can earn cash back.  Exclusively for Navy Federal members.2

Learn More about RealtyPlus.

Mortgage Learning Center

View MoreMortgage Learning Center

Homeowner Resources

View MoreHomeowner Resources

Disclosures

1

Customer satisfaction claims are based on 2021 Anywhere Leads Inc.’s surveys of customers who bought or sold a home using a program serviced by an Anywhere Leads Network agent or using an Anywhere Leads Network agent.

↵
2

The cash-back bonus is offered in most states and is available for individual sales and purchases of property; offer limited to one cash-back bonus per property with no limit on the amount of times you may use the program. In some states, a gift card or commission credit at closing may be provided in lieu of the cash-back bonus. The program is not available in IA or outside the U.S. Cash-back bonus is not available in AK or OK. In KS and TN, a gift card with preloaded points that are ready for spending at specified retail establishments after closing will be issued. State regulations in KS limit the dollar amounts and the type of incentive. In MS, NJ, and OR, a commission reduction may be available at closing. Please check with the program coordinator for details. This is not a solicitation if you are already represented by a real estate broker. The cash-back bonus is only available with the purchase or sale of your home through the use of a program-referred and -approved real estate agent. The size of your cash-back award depends on the value of the property you are buying or selling. Obtaining the full $9,000 cash-back award requires transacting in a property valued at $3 million or greater. To calculate the size of your potential cash back, please visit the RealtyPlus website: https://realestateperk.com/RealtyPlus/. All real estate transactions are negotiable. Contact RealtyPlus for terms and conditions. Standard listing fees apply. The program award is not available in certain transactions with restricted agent commissions (including many new construction, For Sale by Owner, or For Sale by iBuyer transactions). Your assigned agent can help you identify any transactions where the award would not be available. This program is offered, in part, by Realogy Lead Management Services, Inc. d/b/a Realogy Leads Group (RLG). RLG may receive a co-operative brokerage fee as a result of a referral to the real estate companies listed above. Program terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.

↵