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. You get a lower down payment and a better rate. The catch is that you must genuinely use it and not run it as a full-time rental.

Second-home guidelines generally require the property to sit in a resort or vacation area. It must be 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. If it is really an investment, we pivot to a DSCR loan.

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: Requirements · Financing Guide · FHA · Conventional · DSCR.

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. That means a 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.