Vacation Home Loans in Phoenix AZFinancing for Your Second Home or Vacation Property
Buying a vacation home or second residence in Phoenix or the Valley? Second-home loans have their own rules — usually 10 to 20 percent down, slightly higher rates than primary homes, and specific occupancy requirements. I'll structure the financing to fit your plans.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
When You Need Vacation Home Loans
Vacation home loans cover any property you'll use as a second home, not as a primary residence or a rental. Common uses: snowbirds buying a winter home in Phoenix or Scottsdale, weekend getaways, family vacation homes, and properties you'll use a few months a year. The IRS and lenders both have rules about how much time you have to spend in the home for it to count as a second home versus an investment property.
Our Vacation Home Loans Process
Here's how we close your vacation home loan. Call or text me with the property and your plan for using it. I'll quote you the second-home rates from dozens of lenders. Pre-approval same-day in most cases. Most second-home loans close in 25 to 35 days.
Vacation Home Loans Cost in Phoenix
Second-home rates are slightly higher than primary-home rates, usually by a quarter to a half point. Down payments typically run 10 to 20 percent. I shop dozens of lenders to find the lowest rate. Every fee in writing.
Why Choose Us
Vacation home buyers love working with me because I make the remote process easy. Ten years in the business and 50-plus five-star reviews. Same-day response on every call and text.
Ready to Get Started?
Buying a Phoenix second home? Call or text Mark at (480) 690-9790 today.
For more purchase programs, see all of our Purchase options in Phoenix.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.