A New Shift in Financing for Second Homes and Investment Properties
By: Movement Team
February 10, 2026
Financing a second home or investment property has traditionally meant higher costs and fewer favorable options. Recently, that landscape has started to shift. Movement has introduced new financing options for second homes and investment properties that are changing how pricing and flexibility come together in today’s market, while still supporting a smooth approval process for qualifying scenarios.
Movement’s Express Program Suite includes a variety of loan options that may be worth exploring depending on your goals and property type.
Who the Express Program Suite can support
Movement’s Express Suite can be especially competitive for:
- Second or vacation home buyers
- Real estate investors
- Owners looking to lower the interest rate on an existing second home or investment property
These options are intended to support a range of scenarios, whether you are purchasing a property or reviewing an existing loan.
A simpler approval process
Express programs use automated underwriting, which can help create a more streamlined review process while still meeting standard lending requirements. This approach is designed to support efficiency throughout the approval process.
Potential relief from added pricing adjustments
Traditional loans can carry additional pricing adjustments for second homes and investment properties, which may increase the interest rate.
In some cases, Express options may help reduce the impact of those adjustments, depending on the loan scenario and borrower qualifications.
In some cases, Express options may help reduce the impact of those adjustments, depending on the loan scenario and borrower qualifications.
Flexible loan amounts
The Express Program Suite supports both conforming and jumbo financing, allowing for a broad range of purchase prices and loan amounts.
Finding the right option
With multiple Express options available, a quick review of your goals can help determine which Express Program may work best for your situation.
If you would like to explore what’s available for your second home or investment property, fill out the form below to start the conversation.
Qualification is required and the borrower must meet all loan program requirements. Additional restrictions apply. Programs, rates, terms, and conditions are subject to change without notice.
*By refinancing your existing loan, your total finance charges may be higher over the life of the loan
