Although fractional ownership properties are not a new concept, financing these properties is. In the past, buyers of these hotly-sought-after properties would use a second mortgage, on their primary home to pay for their ownership. Since some buyers did not want to tie up the equity in their primary home, or sell a piece of their stock portfolio, there was a void in the buying process.

Financing a fractional second home is just like financing your primary home. We’ve worked out all the kinks for you, ensuring a smooth transaction. Moderate down payments are required, with choices from a 3/1, 5/1, 7/1 or 10/1 ARM*. We also offer two interest-only products And, we offer refinances on properties with a 12-month seasoning since purchase.

Because we have simplified the product selection, our underwriting guidelines are very straightforward. We will have an answer back to you within 24 hours of underwriting submission. Already own a fractional property?  Let us improve your terms or help you capture a little of that appreciation with a refinance.

*Annual percentage rate may be increased after loan closing.