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Vacation Home Mortgage

Vacation home mortgage products are my specialty. Vacation home mortgage products are complex and you want to make sure you select the right vacation home mortgage for your specific situation.

Many lenders only offer vacation home mortgage products requiring a 20% down payment at rates higher than conventional mortgage products, We offer only a 5% down payment vacation home mortgage. And at regular, conventional rates. Vacation home mortgage products are available as fixed rate, adjustable rate mortgage, and we can help you with a "stated income" vacation home mortgage if your income is difficult to verify. Please email me with questions about a vacation home mortgage

New! 100% financing is available for a vacation home mortgage! Vacation home mortgage financing is available up to $650,000 with a 45% debt to income ratio, and only 2 months of liquid reserves.

We can help with a vacation home mortgage if you are building with a construction/perm mortgage. If you need to remodel a vacation home, I can help. If you are buying land to build on later I can help you with a lot loan. Or, if the home is already built, I can help you with the permanent vacation home mortgage. We offer fixed rate mortgages, adjustable rate mortgages, stated income, interest only vacation home mortgage, and no documentation mortgages. I am seeing more of my clients looking at interest only mortgage options to hold down the cost of ownership. I can also help you to understand the difference between treating the home as a vacation home or investment property. Some are both but there is a difference in cost between a vacation home mortgage and an investment property mortgage.

Learn more about Vacation Home Mortgage Closing Costs

I have included a page on how to calculate your vacation home mortgage qualification ratios.

I have included a page on vacation home mortgage documentation requirements

I have included a section on the new Cash Flow ARM for a vacation home mortgage. A LIBOR or MTA based product which gives you complete flexibility in managing your mortgage. This is the loan product I have on my own vacation home as well as my principal residence.

Many of my clients obtain the down payment money for their property by taking out a home equity line of credit on their primary residence.

Learn more about investing

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

New! View my Wealthbuilder presentation and learn the safe way to manage your debt and fund your retirement.

Prequalify for your Vacation Home Mortgage.

Vacation Home Mortgage

 

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Extensive consumer information on construction,remodeling, first time homebuyer,and no documentation mortgages.