Imagine stepping out onto your deck every morning with a slow-drip coffee in hand, enjoying the pristine view of the water and your kayak ready to go at your feet.
Whether you are drawn in by the water activities that will be right at your front door (like fishing, boating, and swimming) or because you want the relaxed lifestyle of feeling the water under your feet whenever you’re at home, there’s nothing like living on the water. We’re excited to help you live your best Northwest left!
We offer two different loan term options for owner-occupied, investment, and vacation floating homes located in Oregon.
15-Year Fixed-Rate Loan
7-Year Balloon Loan
Floating Homes Are Not Real Estate
Floating homes aren’t on land, so they’re personal property rather than real estate. This means they don’t qualify for special home loan programs or low down payments.
20-30% Down Payment Required
Floating home loans require a 20-30% down payment plus loan costs, whether you get your loan at Trailhead or elsewhere. Your exact down payment will depend on your credit rating.
Annual Percentage Rate
1% loan origination fee
4.75% – 7.00%
7 year balloon
(30 year amortization)
4.25% – 6.50%
Apply to purchase or refinance your floating home.