Vacation Homebuyers
A second home — a lake cabin, a winter getaway, or a place for family to gather — is about more than real estate. The Jay Dacey Mortgage Team helps buyers across Minnesota, Wisconsin, North Dakota, and Florida finance vacation and second homes with programs built for the way you'll actually use the property.
Financing for second homes
Conventional loans offer competitive financing for second homes with down payments that are often lower than buyers expect, and jumbo loans are available for higher-priced properties up to $3M. We'll explain how occupancy, distance, and rental use affect your options so you choose the right program from the start.
Buy in cash with a HELOC
Already own a home? A home equity line of credit (HELOC) lets you draw on your equity to purchase a second property in cash — giving you the negotiating power of a cash buyer. We'll compare a HELOC strategy against traditional second-home financing so you can see the numbers side by side.
Local expertise where it counts
From Minnesota lake country to Florida's coast, we understand the markets and the financing nuances in each state we serve. With 23+ years of experience, we'll help you structure a loan that fits your vacation home and your long-term financial plan.
Frequently Asked Questions
What Our Clients Say
"Amazingly Helpful"
I have yet to actually buy a house myself, mostly due to my own questions on what I want, but Jay came highly recommended from a trusted co-worker. He has helped me through multiple choices, questions, potential properties, and helped my sister with her mortgage too. I would highly recommend Jay and his team!
"Seamless Home Buying Experience"
Jay and Madeline were incredible to work with from start to finish. As first-time homebuyers, we had endless questions and they walked us through every option patiently. They found us a rate we couldn't get anywhere else and closed right on schedule!
"Engaged and Responsive!"
THANK YOU to Molly and the Jay Dacey Team! During a refinance of my mortgage loan for lowering my interest rate, lowering my mortgage payment, and squaring away my escrow account! Engaged and responsive! Handled a difficult purchase previously and executed flawlessly.
Read All 325+ Verified Client Reviews
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