We will be closed on Monday, May 28 for Memorial Day.


Live the good life in a home on the water

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Why Float?

Imagine stepping out on the deck with a pristine view of the water in front of you and your kayak ready to go at your feet … A floating home can be a dream come true.

Whether you come for the 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 make that dream a reality!

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Loan Options

We offer two different loan term options for owner-occupied, investment, and vacation floating homes.

15-Year Fixed-Rate Loan

7-Year Balloon Loan

If you’re not sure about which option to choose, don’t worry! We’ll work with you to determine which option is best for you.

Call with Questions

Key Considerations

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.


Floating Home Loan


Annual Percentage Rate

1% loan origination fee
Member pays third party closing costs
Purchase or refinance

15 year

5.00% – 6.50%

7 year balloon 

(30 year amortization)

4.50% – 6.00%

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Apply to purchase or refinance your floating home.

Have questions about our loans or floating homes? Give us a call.

503-220-2592 x1141

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