Portfolio & specialty · Portfolio product
Financing for the second place, and the ones that pay you rent.
Conventional and portfolio financing for vacation homes, 1–4 unit rentals, and small multifamily, with rental income counted the way an experienced lender counts it.
- Down payment
- 10–25%
- Rental income
- Counted
- Lending
- All 50 states
Best for
- Vacation homes in Wisconsin, Michigan, or Florida
- 1–4 unit rental properties
- Investors building a portfolio
Second homes
Second-home financing at near-primary pricing when the property is for your own use. Many of our clients finance lake houses in Wisconsin and winter homes in Florida through us.
Investment properties
We count projected rental income, finance up to four units on residential programs, and can hold portfolio loans for properties or investors who don't fit an agency box.
Questions people ask
- Do you lend outside Illinois?
- Yes. Home State Bank has a mortgage office in Appleton, Wisconsin, lends in all 50 states, and has loan officers based in Illinois and Wisconsin.
Often compared with
Next step
Ready to talk to a lender who can actually decide?
Start the application online, or call and ask for the mortgage department. Either way, a real human in Crystal Lake or Appleton takes it from there.