Second Home Mortgage in California


  • 5-Star Rated Mortgage Broker
  • Special Second Time Home Buyer Program
  • Be the Owner of Your Second Home
  • Residential and Commercial Loans
  • Office located in Los Angeles

Is Buying a Second Home a Good Investment?

The second house is definitely a privilege in case it is suitable for your long-lasting life goals. It can be used for a short-term investment, family gatherings, work or rest. By owning a second house, you can protect yourself and your family in case of the inflationary pressure.

Easy financial system. If to talk about investment, the second time home buyer can use a loan hand. Give 20% (give as minimum as 5% down) of the price, and you can take a credit to cover everything else.

Stability for the future. A house is not something that can easily come and go. Therefore it provides you with security in case of any financial issue.

Tax benefits, which are available only in case of second home loan financing.

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Are You a Second Time Home Buyer?

Let’s say, we set a goal. Let’s consider now what it is and how it works. In such a way buying a home becomes an asset, which will gain value over time.

How does it work? Starting from your down payment, every monthly fee makes your loan size smaller. Thus, your equity becomes bigger. It also increases in the case of a powerful estate market or any improvements you provide with your house.

Ways to Get a Second Home Loan

There are few ways to earn the 2nd house in California, and each one has its own requirements:

Low Loan Rates

Second-home/vacation property loans have only slightly higher rates than primary residence mortgages.

Down Payment

In the case of buying the main house, you’ll most likely get 3% down. Talking about a vacation house, your minimum will be ten percent in good condition.


Home Equity

A home equity loan is a good option for somebody, who already has necessary equity watching their property.


Your property can be considered as a proper second home if:

  • Its owner is living there at least some while during a year.
  • It’s being a one-part house (not consisting of two and more units).
  • It can be used for a whole year.
  • It’s completely a buyer’s property.
  • It’s not being rented (either full-time or partly).
  • It’s not occupied by a form of managers to operate it.

In case you’ve planned to use extra income for renting the vacation house, you should know that not every lender will accept this. You may be asked to provide every document of the whole history about your constancy in renting that house.

Second Home Loan Process

4 Easy Steps to Your Dream

Step 1


Talk to Us to Know Your Options


Step 2

Find Your Dream Home

Enjoy a Home Shopping Experience

Step 3


Get a Loan Approval on the Terms You Want

step 4


Enjoy Your Homeownership

Apply for a Second Home Loan in California

If you’re interested in a getting second home mortgage in Los Angeles or California, feel free to apply online. All personal information is protected.

In case you’ve considered all the facts and still daydreaming about getting a second house, need more information or have any questions, feel free to request a free mortgage broker consultation. We’ll do our best to help you with your dream!


13317 Ventura Blvd #H,

Sherman Oaks, CA 91423

Phone: 323-741-5858

Hours: M-F 10:00 AM – 5:00 PM


Equal Housing Lender