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Second Home Loan

Financing options for buying a vacation home or getaway.

Purchasing a second home can offer a range of benefits, from creating a vacation retreat to investing in property for future enjoyment. Whether you’re seeking a tranquil getaway or a seasonal residence, a second home loan can help you secure your ideal property.

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Second Home Loan Features

Flexible Financing Options

Choose from various loan types tailored for second homes, including fixed-rate and adjustable-rate mortgages.

Competitive Interest Rates

Access competitive rates designed to make financing your second home more affordable.

Down Payment Requirements

Benefit from down payment options that may be lower than typical investment property loans.

No Rental Income Requirements

Unlike investment property loans, second home loans do not require proof of rental income.

Benefits of a Second Home Loan

Enjoy Your Retreat

Secure a personal getaway or vacation home to escape and unwind, creating lasting memories with family and friends.

Diversify Property Ownership

Expand your property portfolio with a second home, offering potential for both personal use and future appreciation.

Greater Flexibility

Enjoy the flexibility of using your second home as a personal retreat without the restrictions often associated with rental properties.

Potential Tax Benefits

Potentially benefit from tax deductions on mortgage interest and property taxes, depending on your specific circumstances and local regulations.

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At A and N Mortgage, we have helped countless homeowners purchase a second home. Let us leverage our experience and expertise to help you find the right financing solution for your new home away from home.

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loan FAQ

Loan Program

Frequently Asked Questions

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Some loans will allow you to secure just a 5% down payment plus closing costs. Another option is a piggy-back loan where you get approved for the first and second mortgage to avoid PMI. You could also apply for an FHA loan which only requires a 3.5% down payment.

However, your interest rate will likely be higher, and you will be required to buy private mortgage insurance (PMI).