Looking to refinance a second home or investment property? Our Non-Primary Residence (NPR) Loan offers competitive rates with the same rate transparency you expect from FCCU!

FCCU offers a mortgage loan on eligible Non-Primary Residences located in the State of Florida, including vacation homes, second homes, and rental properties. Our Non-Primary Residence Loan makes financing simple and affordable, helping you turn your property into a smart financial move!

Eligibility Details

• Eligible Properties: Single-family homes, townhouses, and condominiums located in Florida.
• Borrower Restriction: Business Entities are not eligible for this loan.
• HELOC Restriction: FCCU does not offer HELOCs or No-Insurance loans on Non-Primary Residences.

Loan Terms and Conditions

• Maximum loan amount per member: $200,000.
• Maximum Loan to Value (LTV): 60% Actual LTV dependent on credit score and type of property.
• Maximum number of NPR loans per member: 1.
• Maximum term: 15 years.
• Interest rate premium: 0.50% above regular Home Equity rates for comparable terms.