Second Homes

Second Home Loans

Are you considering purchasing a second home or a vacation property? There are a few things to consider.

  1. Minimum down government loans like FHA, USDA and VA loans are not available for purchasing or refinancing a second home that will only be occupied by you part of the year. Conventional financing options are available, but down payments typically start around 10% (90% loan-to-value).
  2. Your income must be sufficient to qualify for two mortgage payments. This includes the mortgage (or rent) on the home you use as your primary residence as well as the home you will use as a vacation property.
  3. Your credit and assets should be relatively strong to convince a lender that you can handle both mortgages and have some “rainy day” reserves as well.

To apply for a second home loan or find out about whether you qualify call one of our Boise Home Loan Specialists at (208) 388-0500 or get started today by clicking the button below:

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