Vacation Property Mortgages

Because You Deserve a Place to Escape (and Maybe Make Some Money Too)

Whether you're dreaming of lazy weekends at the lake or buying a second property to house your kid while they’re in school (good luck with the laundry situation), I can help you secure financing that fits the plan—and your budget.

As a trusted Mortgage Broker in Midland, I make second-home financing feel way less overwhelming (and way more doable). Even if it’s seasonal, remote, or not winterized—we’ve got options.

🏡 Why Invest in a Vacation or Second Property?

💰 Build long-term wealth
🧘 Enjoy personal downtime
🛶 Create lifelong family memories
🏘️ Provide housing for kids in college or aging parents
💼 Use it part-time and Airbnb the rest

Whatever your “why,” I’ll help you figure out the “how.”

🔍 How Vacation Property Financing Works

Mortgage options for second homes look a little different than your primary residence. Here’s the breakdown:

✔️ Remote or seasonal properties may need 20% or more down

✔️ Non-winterized or off-grid places may come with slightly higher rates

✔️ Mortgage terms depend on whether the property is year-round accessible or seasonal

✔️ Lender criteria vary based on how the property will be used (personal vs. rental)

💡 Funding the Down Payment

Need help pulling together the funds? You’ve got options:

💸 Refinance your current mortgage to free up equity
🏡 Use a HELOC (Home Equity Line of Credit)
🔁 Explore reverse mortgage options if you’re 55+ and planning ahead

As your go-to Mortgage Broker in Midland, I’ll walk you through each option and help you decide what makes the most financial sense—without over-complicating things.

📋 What You’ll Need to Qualify

Lenders usually want to see:

Strong credit
Proof of stable income
Details about the property (location, access, condition)
Whether the home is for personal use, part-time rental, or both

And don’t worry—I’ll explain exactly what’s needed and handle all the behind-the-scenes mortgage wrangling for you.