Vacation Home Loans in Phoenix

Thinking about a warm-weather escape or a desert retreat? Phoenix is one of the top spots to buy a vacation home. With year-round sunshine, mountain views, and a relaxed lifestyle, it’s no surprise that more families are financing second properties in the Valley.

We offer flexible vacation home loan options to help you purchase a seasonal getaway without the stress of high investment property requirements. Whether you’re looking for a low-maintenance condo or a golf course home for the winter months, we’ll help you find the right financing for your lifestyle. [Check your vacation home loan options now.]

What Qualifies as a Vacation Home?

Vacation homes are typically:

• Used by you or your family at least part of the year

• Located in a resort, destination, or recreational area

• Not subject to long-term rental agreements

• Suitable for year-round living

• Separate from your primary residence

If you’re purchasing in Phoenix, Scottsdale, Mesa, or even weekend-friendly areas like Cave Creek or Fountain Hills, your new property may qualify. [Let’s get started.]

Vacation Home Loan Benefits

• Down payments starting at 10%

• Better terms than investment properties

• No landlord history required

• Conventional, jumbo, and ARM options

• Use equity from your current home for faster approval

With low property taxes and no state income tax on Social Security, Arizona is especially appealing for retirees and seasonal residents. You can enjoy a second home without giving up financial flexibility.

Popular Areas for Phoenix Vacation Homes

Phoenix and its surrounding cities offer a variety of vacation-home-friendly neighborhoods:

• Scottsdale and Paradise Valley for upscale retreats

• Mesa and Gilbert for budget-friendly comfort

• Arcadia and Biltmore for style and walkability

• Fountain Hills and Cave Creek for views and privacy

Not Sure If It’s a Vacation or Second Home?

The terms “second home” and “vacation home” are often used interchangeably. However, loan qualifications differ slightly. [Click here to explore second home loan options in Phoenix.]