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Updated about 1 year ago on . Most recent reply

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Benjamin Giles
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Benjamin Giles's profile image
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Benjamin Giles
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Benjamin Giles
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Private Lending & Conventional Mortgage Advice

10% Down Second Home/Vacation Home Loan...Anyone seen this offered recently?

Benjamin Giles
Posted

Hey All,

Wondering if anyone has seen this out there in the last month or if anyone has a referral of any banks currently offering this loan option?

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Jay Hurst
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Jay Hurst
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  • from Dallas, TX
  • Member since Mar 29, 2017
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Jay Hurst
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  • Dallas, TX
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Jay Hurst
  • Lender
  • Dallas, TX
Replied
Quote from @Benjamin Giles:

Hey All,

Wondering if anyone has seen this out there in the last month or if anyone has a referral of any banks currently offering this loan option?

 @Benjamin Giles    Any conventional lender should be able to do it. HOWEVER, your upfront fees will be hefty thanks to the loan level price adjustments (LLPA) on a 90% second home. LLPA's are more or less how much over a par rate. So, for 10% second home there is a 4.125% in negative adjustments.  

Fannie Mae LLPA matrix

  • Jay Hurst
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