Vacation Homes Mortgage
Keith Uthe Demystifying Mortgages

An aerial view of a tropical beach with a lot of buildings and trees.

Financing Solutions for Your Dream Vacation Property

Financing a vacation home requires careful consideration and expertise. We offer financing options designed specifically for vacation and second homes. Here's what we provide:

Here's what to expect:

  • High-Ratio Mortgages: Some lenders offer high-ratio mortgage options with as little as 5% down, depending on the type of property. We'll help you explore these options and find the best solution for your specific needs.
  • Higher Down Payments: Depending on the purpose, type of property, and access throughout the year, higher down payments of 20% or more may be required. We'll assess your situation and provide guidance on the ideal down payment strategy.
  • Property Assessment: It's essential to evaluate the quality and suitability of vacation properties. We'll assess properties with year-round road access, residential-standard water and septic systems, electrical and heating systems, and recreational purposes. We'll also provide information on any additional restrictions or considerations for properties with seasonal access.
  • Tailored Solutions: Every situation is unique, and we're here to provide factual information and outline the financing process, ensuring you can make an informed decision about your vacation property.
  • Refinancing: If you currently own a home, refinancing your mortgage to include a second property is an option worth considering. We'll guide you through the refinancing process and explore how it can help you finance your dream vacation home.


Our experienced team is dedicated to helping you turn your vacation home dreams into reality. Contact us today to schedule a consultation with Keith Uthe Demystifying Mortgages, and explore stress-free financing options for your dream vacation property.