Finance your mountain escape, lake retreat, or weekend getaway

Whether you’re dreaming of a cabin in the mountains, a condo near your favorite ski resort, or a quiet place by the lake, a second home loan in Colorado can help make it happen. With flexible guidelines and competitive rates, these loans are designed for buyers who want a vacation home or part-time residence without the complexity of investment property financing.

At RJ Baxter - NEO Home Loans, we help buyers across Centennial, Denver, Castle Rock, Parker, Vail, Breckenridge, and beyond find the right financing for their Colorado getaway.

What is considered a second home?

A second home is a property you intend to occupy part-time for vacations, weekends, or seasonal use. It must be:

  • Suitable for year-round occupancy
  • Located a reasonable distance from your primary residence
  • For your use only (not a short-term rental or Airbnb)

Want more info? See Fannie Mae’s second home guidelines

Features of second home loans

  • Low down payment options (as little as 10% for well-qualified buyers)
  • Fixed and adjustable-rate mortgages available
  • Lower rates than investment property loans
  • Eligible for conventional financing
  • No landlord history or rental income needed to qualify

You can also use a cash-out refinance on your primary home to fund your second home purchase; ask us how.

Who qualifies for a second home mortgage?

You may be eligible if:

– You plan to occupy the property part-time
– The home is for personal use, not a rental or business
– You have a 620+ credit score and a stable income
– You can meet standard debt-to-income ratios
– You have enough savings for the down payment and reserves

We’ll help you explore whether conventional financing, a jumbo loan, or other options make the most sense for your purchase.

Whether you’re buying in the mountains, near the water, or in a favorite weekend spot, we’ll help you make a confident move with a second home mortgage that fits your goals.

Call or text us at (303) 670-0137, email rj@rjbaxter.com, or request a custom second home quote. We’re here to help you find your perfect place away from home.

*Loan guidelines current as of May 2025