FHA Loans
Can I get an FHA loan on a second home?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
No. FHA loans are only for primary residences you'll occupy, so you can't use one to buy a vacation or second home. FHA is designed to promote owner-occupied homeownership.
For a Florida second home, a conventional second-home loan with about 10% down is the right tool. If you'll rent it out, an investment or DSCR loan fits instead. We'll point you to the correct program.
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