Visions Federal Credit Union

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Vacation Homes

Qualified Property - Purchase Money or Refinances

Max Loan to Value - 80% of sale price or appraised value for conforming. Non-conforming 70% of sale price or appraised value (example: no heat). Cash out refinance - 75% loan to value for fixed rate; 65% loan to value for adjustable rate.

Loan Amount - Minimum $25,000, Maximum $424,100; $636,150 for high cost areas as designated by Fannie Mae

Product Type - Any adjustable-rate program (Except 100% financing, or manufactured) or our 15-year fixed vacation home product

Term - 10 or 15 Year

Escrow Account - Not Required

Payment Options - Weekly, Bi-Weekly, or Monthly

Proof of home owner's insurance is required

Visions will not subordinate or agree to the assignment of any oil/gas/mineral rights lease to a third party.