Second Homes · Snowbirds

The winter place in Arizona — done by the book.

Second-home financing is friendlier than investment financing, but the occupancy rules are real. Classify it honestly and you still get a great deal — plus every January here.

Price the winter place

How it works

Classify it honestly

Second home vs. investment changes rate, down payment, and paperwork. Truth first — it usually still prices well.

Qualify with both payments

Nic runs your ratios carrying both homes, so there are no surprises.

Buy from a distance

Same remote process as the relocation playbook — tour once, close on time.

Winter here, brag everywhere

The group chat will cope.

Quick requirements

Snowbirds and out-of-state families buying a genuine part-time residence in the Valley.

✓ True second home: you'll actually use it, it's a reasonable distance from your primary, you control it year-round✓ Down payments typically start around 10%✓ Rates run slightly above primary-residence loans and below investment loans✓ Occasional rental is a gray zone with rules — misclassifying on purpose is fraud, so we don't✓ Your existing mortgage plus the new one both count in your debt ratios

General guidelines, not a loan offer — programs and terms depend on your full picture.

The winter place in Arizona — done by the book.

How it works

Quick requirements

Ready for real numbers?