Vacation Home Financing

Vacation Property Financing is a Breeze, with Sprout Mortgage

Whether you’re purchasing your vacation dream home or you’re investing in a property for rental income — you’ve come to the right place! Benefit from flexible financing options including Bank Statement, Asset Depletion and Full Doc Loans. Fill out the short form today, a Loan Advisor will get back to you quickly!

Or call us to get started immediately (800) 462-6470

**As of 12/3/2021, this product is based on a rate and term refinance loan with 70% loan to value ratio, a 740 credit score, paying 1.25% discount points, on an owner-occupied principal residence, an interest rate of 3.77% and APR of 3.87% for a 40-year loan with an interest only period for the first ten years and fully amortized payments for the remaining 30 years of the 40-year term. Your loan terms and interest rate may be different depending on your credit score, your loan to value ratio, how many discount points you pay, when you lock in your interest rate, the property’s occupancy type, and other factors.

Sprout Mortgage specializes in mortgage loans for Vacation Home properties.

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Whether you’re purchasing your vacation dream home or you’re investing in a vacation property for rental income — you’ve come to the right place!


Sprout Mortgage is a leader in vacation home financing.


The vacation home you invest in today can become your eventual retirement dream home in that special location you know and love. That’s why vacation home buyers rely on Sprout Mortgage to make it happen.


We also provide financing for vacation rental property purchases. Real estate investors rely on Sprout for quick, easy, streamlined approvals of vacation rental property purchases.



Sprout offers flexible financing options:


Bank Statement Loan

If you’re self-employed you can apply for a Bank Statement Loan to qualify based on your bank account balances — so you won’t be asked to submit documents you don’t have. No W-2 or tax return required. To qualify, Sprout will look at your credit score and use a proportion of the revenue shown on the last12 months of your bank statements as a measure of income. (660 minimum credit score required.)


Asset Depletion Loan

Ideal for people with more assets than income, including retirees and high net worth individuals, the Asset Depletion Loan uses your assets and credit score for qualification. Sprout will examine your savings account balances, investments,401(K) and other retirement accounts. (660 minimum credit score required.)


Full Doc Loan

Sprout Mortgage also provides a Full Doc Loan option with standard qualifying criteria, including a credit score, W-2, and tax returns. Our Full Doc Loans feature great rates and a streamlined application process.

Let's Get Started

Call us (800) 462-6470

or fill out the form below

Sprout Mortgage is a nationwide direct lender and we’ve been helping homeowners reach their goals for nearly a decade.

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Also Available

Whether you’re a small business owner, yoga instructor, seasonal employee, freelancer/contract employee, or investor, Sprout can help you get a mortgage!

Asset Depletion Loans

Investor Debt Service Coverage

Ideal for individuals with substantial liquid capital (more assets than income), the Asset Depletion program permits borrowers to qualify based on their assets up to 50% DTI.
Designed for those whose income is derived from property rentals. Use the cash flow from your rental property to qualify.

Here’s How We Can Assist You in Buying a Home

Other loan features include:

Financing a vacation rental property has never been easier!




Call (800) 462-6470 to talk to one of our knowledgeable Loan Advisors to find out how much you can borrow and how easy it is to apply!

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This communication does not constitute a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.