Second Home Mortgage

Thinking of Purchasing a Second Home?

Whether you’re dreaming of a peaceful weekend getaway or a vacation home for the family, Putnam County Bank is here to make your second home a reality. No matter where you’re buying—even out of state—you can count on your local community bank for reliable, personalized financing.

Key Features

Minimal Down Payment

Make it happen with as little as 10% down—keeping more money in your pocket.

Out-of-Area Coverage

Buying out of state? We’ve got you covered, no matter the zip code.

Flexible Rates & Terms

Choose from fixed or variable rates and loan terms that align with your goals.

No PMI Required

Enjoy lower monthly payments—no Private Mortgage Insurance necessary.

Ask About our Blue-N-Gold Bundle Banking

Get Started Today!

The chart above is based on a origination fee of 0.5% with a loan amount of $250,000.00, at least a 10% down payment, and common fees associated with loan closing. Interest rates and fees are subject to change without notice. We offer various loan options; depending on which product you apply for, your APR may vary.

*Additional fees/Conditions may apply.
*All loans are subject to credit approval.
*All rates & terms are subject to change without notice.