Vacation Home Mortgage
in California
★ ★ ★ ★ ★
- 5-Star Rated Mortgage Broker
- Investment Property Loan Programs
- Second Home Mortgage Loans
- Turn Your Dream Vacation Home into Reality
- Based in Los Angeles – Serving All of California
What type of property are you refinancing?

Single Family

Multifamily

Condominium

Townhouse
How will this property be used?

Primary Residence

Vacation Home

Investment Property
Estimate credit score

Excellent 770+

Good 660-719

Avg. 620-659

Below avg. 580-619

Poor <579
What type of property are you purchasing?

Single Family

Multifamily

Condominium

Townhouse
Are you a first-time home buyer?

Yes

No
How will this property be used?

Primary Residence

Vacation Home

Investment Property
Estimate credit score

Excellent 770+

Good 660-719

Avg. 620-659

Below avg. 580-619

Poor <579
Final Step
By clicking "Get My Quote" you certify that you read and completely agree with the Privacy Policy
Summary
Description | Information | Quantity | Price |
---|---|---|---|
Discount : | |||
Total : |
Vacation Home Mortgage
in California
★ ★ ★ ★ ★
- 5-Star Rated Mortgage Broker
- Investment Property Loan Programs
- Second Home Mortgage Loans
- Turn Your Dream Vacation Home into Reality
- Based in Los Angeles – Serving All of California
Irina Dyakun, CEO
What type of property are you refinancing?

Single Family

Multifamily

Condominium

Townhouse
How will this property be used?

Primary Residence

Vacation Home

Investment Property
Estimate credit score

Excellent 770+

Good 660-719

Avg. 620-659

Below avg. 580-619

Poor <579
What type of property are you purchasing?

Single Family

Multifamily

Condominium

Townhouse
Are you a first-time home buyer?

Yes

No
How will this property be used?

Primary Residence

Vacation Home

Investment Property
Estimate credit score

Excellent 770+

Good 660-719

Avg. 620-659

Below avg. 580-619

Poor <579
Final Step
By clicking "Get My Quote" you certify that you read and completely agree with the Privacy Policy
Summary
Description | Information | Quantity | Price |
---|---|---|---|
Discount : | |||
Total : |
Getting a Mortgage for a Vacation Home
Dreaming of owning a vacation home in California but unsure how to finance it? You’re not alone!
With the right vacation home mortgage, you can enjoy your dream getaway while building equity in a valuable property. Let us guide you through the loan process and find the best financing options for your second home.
Investment Property or Vacation Home?
Before purchasing a vacation or investment property in California, keep these important factors in mind:
- Owner Occupancy Requirement – You must live in the home for at least part of the year.
- Limited Rental Use – The property cannot be rented full-time and must be solely in your name.
- One-Unit Home – Multi-unit properties do not qualify as vacation homes.
- Location Matters – The home must be a certain distance from your primary residence.
- Rental Income Restrictions – You cannot use potential rental income to qualify for a vacation home loan.
Have Questions? Reach us out.
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
The Benefits of Owning a Vacation Home
Owning a second home in California can be a smart long-term investment for you and your family. Here’s why:
Tax Benefits
A Getaway Anytime You Need It
A Retirement Plan in the Making
Long-Term Financial Growth
Vacation Home Loan Process
Four easy steps to your second home:
Step 1
Talk to Us to Know Your Options
Step 2
Enjoy a Home Shopping Experience
Step 3
Get a Loan Approval on the Terms You Want
step 4
Enjoy Your Homeownership
How to Qualify for a Vacation Home Loan? Requirements
Credit Score
Income to Support Both Properties
Proof of Vacation Home Use
Down Payment Requirements
Additional Financial Reserves
Apply for a Vacation Home Loan
Tired of vacation rentals and hotel stays? Owning a vacation home gives you the freedom to enjoy your own private retreat anytime. If you plan to live in the home part-time, you may qualify for an owner-occupied home loan, which offers better terms than investment property loans.
🏡 Looking to refinance? We can help you pay off your loan faster or reduce monthly costs through the most efficient mortgage solutions available.
Contact us today to explore your loan options! 🌴✨
Vacation Home Loans in California FAQ
How do vacation home loans differ from primary residence mortgages?
What credit score do I need to qualify for a vacation home loan?
How much of a down payment is required for vacation home loans in California?
Can I rent out my vacation home to offset mortgage payments?
What’s the difference between a vacation home and an investment property?
What are common challenges in obtaining a vacation home loan, and how can I overcome them?
- Save for a higher down payment to obtain better rates.
- Pay down debt and clean up errors on your credit report to further improve your credit score.
- Keep your income stable, with enough savings to show your ability to handle more than one mortgage.
Can I refinance my primary residence to buy a vacation home?
How can I prepare financially to buy a vacation home in California?
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