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
  • more than 50 miles away from your primary residence
  • 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?

Get Started on your application for a second home mortgage loan

Why Choose Navy Federal?

Great loans. Expert guidance. Best-in-class loan service. As a Navy Federal member, you get access to additional benefits to help save you time and money. Get your loan, real estate agent, title services and loan servicing all through us.

Learn Moreabout mortgages with Navy Federal

Home-Buying Expertise With RealtyPlus®

Get matched with a top-performing real estate agent in your area. It’s easy, fast and free. Plus, get a cash-back bonus of up to $5,050.1

Learn More about RealtyPlus.

Mortgage Learning Center

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Disclosures

1 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, LA or OK. In KS and TN, a gift card with pre-loaded 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. All real estate transactions are negotiable. Standard listing fees apply. Contact RealtyPlus for terms and conditions.