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HELOC for a Second Home Purchase: Vacation Homes, Snowbird Properties, and More
Last updated: October 12, 2026 Buying a Second Home Without Selling Your First You’re ready for a vacation home. Or a snowbird condo. Or the lake cabin you’ve been talking about for ten years. As of Q4 2026 (October 2026) (PRMG Lightning Equity Hybrid HELOC Product Profile, 10/08/2026; Lightning Equity Expanded Guidelines, rev. 5/28/2026): minimum…
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Can You Get A HELOC On A Second Home? The Rules Nobody Explains
Yes, you can get a HELOC on a second home. The Lightning Equity Hybrid HELOC we offer treats second homes as a standard eligible occupancy — not an exception — with a 680 minimum credit score and access to as much as 80% of the home’s value. The application is fully online, income verifies automatically,…
