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Owning a cabin, lake home, or recreational property in Minnesota or Wisconsin is more achievable than you might think. While many lenders require 20%–35% down for vacation properties, Northview Bank offers qualified buyers the opportunity to purchase with as little as 10% down.
With strong credit and financials, you may qualify for financing on:
Our goal is to make vacation property ownership in Minnesota or Wisconsin more accessible—so you can move forward sooner.
While many lending programs for cabins, bare land, hunting land, vacation properties, and lake lots can require up to a 35% down payment to make purchasing a possibility, Northview Bank gives borrowers a better option. With a good credit score, buyers can qualify for cabin, cottage, bare land, hunting land and lake home financing options that make purchasing possible with only 10% down.
With as little as 10% down for qualified borrowers, you can:
Buying a lake home or cabin doesn’t have to mean putting your plans on hold. With Northview Bank’s low down payment vacation property loans, you can take the next step with confidence.
Our local lenders understand the Minnesota & Wisconsin market and will help you navigate the process from application to closing—making your purchase as smooth as possible.
You Don’t Need Contract for Deed to Buy a Cabin
It can be difficult to save for a downpayment on a cabin, lake home, or plot of bare land for hunting or future cabin construction. Many financing roadblocks cause people to enter into less-than-ideal financing arrangements. Contract for Deed can be a good financing arrangement for people in certain scenarios, such as when a bad credit score makes vacation property an impossibility, but it is rarely ideal for both parties. With 10%-down programs from Northview Bank, you have more options for buying vacation property.
By working with Northview Bank, you have access to Vacation Property Loans that work for you and your budget. To find the right cabin financing solution for your family, check our Vacation Property Loans site. One of our financing experts will be able to help you find the right solution for your budget and your life.
Our experienced lenders will:
Fast, Local Approval on Vacation Property Financing
Since we underwrite our mortgages in-house at Northview Bank, we give you a fast turnaround time for our approval. Servicing is also kept local. This means that local money is being spent to build our local community. It means that the work we’re doing across Minnesota and Wisconsin is helping our neighbors and friends.
At Northview Bank, we underwrite and service loans locally. That means:
With flexible financing options and local expertise, Northview Bank makes it easier to buy the vacation property you’ve been dreaming about.
If you have questions or want to see if you qualify for 10% down vacation property financing, connect with one of our local lenders today.
Find answers before you start the cabin buying process.
Get ready for something special! We’re excited to announce the Minnesota Nice Giveaway. Each season we’ll be giving away fabulous prize packages you can win. Click below to enter!
Northview Bank wants to measure up your memories, and provide you with a complimentary fish ruler. Just click below and we’ll send you a fish ruler, and a vacation property packet.
Northview Bank wants to provide you with a complimentary game license holder for your hunting season. Please fill out the information below and we’ll send your game license holder and information packet.
Northview Bank wants to see your trophy deer and your hunt could make you a winner! Click below to see contest dates, terms and conditions.
Enter photos that capture the character of the areas we do business in! If your photo is selected for inclusion in the 2026 calendar, you will receive photo credit in the calendar.