Update: Total Mortgage is still closing loans during the government shutdown.
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buying a vacation home

Vacation homes are built for relaxation, but securing financing can be stressful. See which loans are best for you.

where do I start?

That’s awesome. Not only are vacation homes great for vacationing, but they can turn into a ready source of rental income while giving you a chance to build home equity. If you’re searching for the perfect property, be sure to get pre-approved—it looks great to sellers when you make an offer.

Since many loan programs (like FHA loans, VA loans, USDA loans) are only available for primary residences, your options are going to be slightly limited. But that doesn’t mean you’re going to be stuck in a bad loan.

For vacations properties, these tend to be our most popular loans.

A fixed-rate mortgage perfectly suits today's low interest rate environment. The 30-year option is the one you hear about most, but there are also 10-, 20-, and 15-year terms for those who want to pay off their mortgage quickly.

A jumbo mortgage is what you’ll need if your loan surpasses the conforming limit (the largest size loan Fannie Mae or Freddie Mac can purchase). The conforming limit starts at $424,100, but varies by locale.

Let us help you find the perfect loan for you.

21 Day Guarantee

Tight moving deadlines? No problem! Meet even the tightest deadlines with our 21 day purchase closing guarantee.*

For almost twenty years, we’ve done nothing but residential mortgages. That’s a lot of experience—and a lot of expertise. We do everything in-house, so our mortgage professionals can guide you through our streamlined process, from credit check to closing.