Mortgage services
Vacation homes and cottages
Turn the dream into a plan with clear financing options and simple next steps.
Buying a cottage or vacation home is exciting, and the financing can look a little different than a primary residence. We help you understand lender rules, down payment options, and how to prepare a strong application. We also review property details that can impact approval so you can move forward with fewer surprises.
What you will learn
- How financing differs for a second property
- What property details lenders care about
- How down payment and approval rules typically work
How it works
A clear plan from first call to closing
01.
We review your budget, goals, and timeline
02.
We confirm down payment options and qualification approach
03.
We review property details that may affect lender choice
04.
We submit to the best fit lender and confirm conditions
05.
We guide you through closing with a clear checklist
Documents you may need
Get organized early
We will confirm the exact list based on your situation.
- Income verification
- Down payment confirmation
- Property listing details and disclosures if available
- Existing mortgage statements if you own a home already
Related services
Explore other mortgage options
Purchase
A clear mortgage plan makes buying feel calmer, easier, and more confident.
Investment Properties
Buy with confidence by understanding the numbers, the rules, and the strategy.
New Construction
Build with a plan that keeps financing simple and expectations clear.
Refinance
Use home equity to simplify debt, fund plans, or improve monthly cash flow.
Frequently asked questions
Answers to common questions
Can I buy with a smaller down payment
Minimums depend on price, location, and use. We will confirm the exact requirement for the property you want.
Do lenders treat seasonal properties differently
Some do. Access, utilities, and winter readiness can affect lender choice. We review those details early.
Can rental income help qualify
In some cases yes. We can include a portion of verified rental income when the lender allows it.
What if the property is remote
Remote access can limit lender options. We identify lenders that are comfortable with the location.
What costs should I plan for beyond the mortgage
Plan for insurance, property taxes, utilities, and ongoing maintenance, along with closing costs.
Ready when you are
Let's build a mortgage plan that fits you
Tell us what you are working toward and we will map out the next best step with clear numbers and a simple plan.