Second Home and Vacation Home Mortgages

Make your vacation home dreams a reality. Suncoast’s mortgage solutions offer low rates, low closing costs, and the personalized services you need to easily finance your dream second home.

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Finance Your Second Home or Vacation Home

Second and Vacation Home Mortgage Benefits

30/20/15/10 Year

  • Available for Florida properties only
  • Requires escrow
  • 6 month rate lock available on 30 year fixed^
  • PMI required for LTVs greater than 80%
  • Max loan amount for one unit is $766,550
  • Max LTV is 95% for qualified borrowers
  • Requested program loan-to-value may be decreased upon review of property appraisal 
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    The calculator above is for educational purposes only. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

    Second and Vacation Home Mortgage FAQ

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    ^ Florida primary residence only; end loans only; not available for construction financing nor to payoff construction financing. Member must provide a fully executed sales contract signed by all parties. No lock in fee required; member has the option to float down one time no later than 15 days prior to the scheduled closing date. By electing the float down option, the original lock expiration date will not change. What is an End Loan? This is NOT a construction loan; typically, a smaller custom builder will require a construction loan and a large commercial builder (Lennar, Toll Brothers, D.R. Horton, Pulte, Taylor Morrison, M/I Homes, KB Homes, GL Homes to name a few) will allow end loans. Construction loans are closed before construction begins, and end loans close when you move into your home. Beyond the earnest money deposit at the signing of the contract, the builder does not typically collect any funds from the buyer until the completion of the home.


    ^^ Jumbo loans are also available in 20, 15, and 10 year terms