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Phone: (707) 527-6216     Fax: (707) 527-6835
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Second Home/Vacation Home Loans


That ocean view and mountain vista you’ve always dreamed of is within reach.  We offer competitive rates on loans for second homes and vacation home.

Let us help you decide which program is right for you, so you can feel comfortable about the second home of vacation home financing process.

  • 30 year fixed, 15 year fixed and ARMs
  • Loan amounts up to $417,000
  • Refinancing available
  • Competitive rates
  • Property must be owner occupied*
  • Condominiums with 70% minimum owner occupancy
  • Enjoy certain tax advantages**
  • Quick approval process
  • Sensational Service

General Guidelines

  • Loans can be for a single family residence investment property
  • Loans can be for a one to four family investment property
  • Borrowers must be individuals (No businesses or corporations)
  • Term is 30 years for ATM programs
  • Maximum loan to value (LTV) = 80% for a purchase
  • Maximum loan to value (LTV) = 75% for cash out

*Must be used as an owner occupied second and/or vacation home.
**Contact your tax advisor regarding the possible tax deductibility of interest payments. 

Deductibility depends on the member’s individual circumstances.  Sonoma Federal Credit Union does not make any promises or guarantees as to the tax deductibility of your loans.

So what are you waiting for? There’s never been a better time to get a home loan. Apply with us today!

Contact our Mortgage Center for rates, fees & terms,
at 707-527-6216 or email:

APPLY for your home loan now.

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Business Hours: (707) 527-6216
Non-Business Hours: USA: 1-888-241-2510
  Collect: 1-909-941-1398
This credit union is federally insured by the
National Credit Union Administration.
NCUA Equal Housing Lender
  Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 707-527-6216 for assistance. Products and services available on this website are available at our office located at 1194 Montgomery Drive, Santa Rosa, CA 95405.