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 Choice Mortgage Group, 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 rbaxter@choicemortgage.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