Secondary Home
A Complete Guide for your Secondary Home Loan Needs.
- Fast Approvals
- Lowest Rates
- Low to No Closing Cost Options
- No SSN Required
- No Credit Checks
- No Obligation
Secondary Home Facts:
- Mortgage Rates on Secondary Home are Higher than that on Primary Home BUT lower than that on Investment/Income Producing Property.
- You can Purchase a Secondary Home with as little as 10% down payment.
- Most states require you to live in a Secondary Home for 14 days in a year
- You can rent out your Secondary home for up to 180 Days / 6 months in a calendar year.
- There are multiple loan programs available for buying a Secondary Home such as FHA Loan, Conventional Loan, VA Loan, USDA Loan, Non-QM Loan, Jumbo Loan and Portfolio Loan.
Mortgage Rates on 11.20.2025
Conventional Loans
Rates for Primary Home Purchase
6.250%
(6.36% APR)
5.75%
(5.85% APR)
FHA & VA Loans
Rates for Primary Home Purchase
5.625%
(5.99% APR)
5.625%
(6.00% APR)
Rates, terms, and fees as of 11/20/2025 and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Rates for Primary Home Purchase.
Thinking of Buying a Secondary Home? You have come to the right place!
Lowest Rates!
Access Wholesale Rates & Low Margins to save thousands of dollars over the life of your loan.
Zero Application Fees!
Applying for a Primary Home Mortgage if FREE with us which saves you hundreds of dollars right off the bat!
No Cost Loan Options!
Choose Rates without any lending or origination fees.
Available 12 hours every day!
Our experienced and compassionate team is available from 9 AM to 9 PM your time to answer your questions.
Crazy Fast Pre-Approvals!
Get pre-approved for your primary home mortgage in as little as 60 minutes!
Crazy Fast Loan Closing!
Our average clear to close is 21 Days! That is Crazy Fast.
FAQs
Yes. As long as it meets the same requirements for deductible interest as your primary home, mortgage interest paid on your secondary home is tax deductible.
10% is the minimum down payment required to buy your dream secondary home under Conventional Loan option.
Yes. Mortgage Rates on Secondary Homes are typically 0.25% to 0.50% Higher than Primary Homes.
580 FICO Score. Typically, you can buy your dream secondary home with a credit score of as low as 580.
24 Hours. Our average turnaround time to get you a Pre-Approval on your Secondary Home Mortgage takes less than 24 Hours. Call Toll Free # 1877-466-1211 to get started!
We work with Prospects of all Credit Types, All Income Sources, All Age Groups, Offer All Mortgage Types, have been in business for 18+ Years, Our Rates are 0.25% to 0.50% LOWER than most lenders, We offer LOW to NO Closing Cost Options, Our Standard Approval Time is 24 Hours, We close Most Loans in Under 21 Days, We are Available 12 Hours Per Day via Phone – Text – Live Chat – Email.
Generally, cash-out refinances are available for conventional, FHA, and VA mortgages. However, eligibility requirements may vary, and not all lenders offer cash-out refinancing for all loan types.
The timeframe can vary, but it typically takes 3 weeks to complete a cash-out refinance. The process involves application, appraisal, underwriting, and closing. Call our Toll Free # 1-877.466.1211 to get started.
At ShowMyRate.Com, we are your Personal Mortgage Advisors!
We care for our clients, provide top notch customer service and nothing is more important to us than Saving YOU Money!
Free
Fast
No SSN Required