Vacation Home Mortgage in Florida

Second-home terms beat investor terms — if you actually use it as a getaway.

Second home

Occupancy

10%

Min Down

Limited

Rentals

Coastal / resort

Florida

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NMLS# 1859012 · Equal Housing Lender

Vacation Home · Florida

Vacation Home Mortgage From a Florida Mortgage Broker

A vacation home financed as a second home gets far better terms than an investment property — lower down payment and a better rate — as long as you genuinely use it and do not run it as a full-time rental.

Second-home guidelines generally require the property to be in a resort or vacation area, a reasonable distance from your primary home, and available for your personal use. Down payments start around 10%. Occasional rental is often fine, but if the property is rented out most of the year, lenders treat it as an investment with 20%-25% down.

Florida's coastal and resort markets are classic second-home territory. We confirm your usage plan fits second-home rules so you get the better pricing honestly, and pivot to a DSCR loan if it is really an investment.

Vacation Home at a Glance

✓Second-home terms: around 10% down, better rates.

✓Must be for personal use in a vacation area.

✓Heavy year-round rental reclassifies it as investment.

✓Florida coastal and resort areas qualify well.

Go deeper on financing a vacation home: Vacation Home Loan Requirements · How to Finance a Vacation Home · FHA Vacation Home Loan · Conventional Vacation Home Loan · DSCR Vacation Home Loan.

Vacation Home Snapshot

OccupancySecond home

Min Down10%

RentalsLimited

FloridaCoastal / resort

How It Works

Apply Online

5 min · soft credit pull only

Match Loan

We shop lenders for the property

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Vacation Home Questions

What down payment do I need for a Florida vacation home?

Financed as a second home, vacation properties start around 10% down with rates close to a primary residence. If you plan to rent it out most of the year, it becomes an investment property needing 20% to 25% down. Usage decides.

Can I rent out my vacation home?

Occasional rental is usually fine under second-home rules. But if it is rented the majority of the year, lenders classify it as an investment property with higher down payment and rate. We structure the loan to match how you will actually use it.

Keep Going

Vacation Home Loan Requirements How to Finance a Vacation Home FHA Vacation Home Loan Conventional Vacation Home Loan DSCR Vacation Home Loan All Property Types Apply for Pre-Approval

Financing a Vacation Home?

A licensed Florida mortgage broker who matches the loan to the property — 5-minute pre-approval, honest numbers.

(561) 300-0380

Figures are illustrative only and vary by property, credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.