You have returned every year to your favorite vacation area, and have finally decided to buy a second home in the special place where you enjoy your holidays. It is an excellent time to apply for a mortgage loan to make your purchase.

The climate for second home mortgages is the most favorable in years. Low interest rates and a recovering economy have attracted more buyers than ever before to purchase a second home for investment and vacation purposes. Many homeowners with a strong credit history have been able to qualify for a home equity loan at excellent rates, and have used their equity cash for down payment and closing costs on a second home.

Lending institutions are offering a wide range of affordable home loans. The rule of thumb is that a buyer can qualify for a loan amount based on 28 percent of their gross income. Often repeat buyers discover that they can borrow more than they assumed possible.

If you wish to take advantage of today's reasonable interest rates to purchase a second home, consult a real estate professional who can help to make your dream a reality.

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First Coast Home Hunters Team of
All Real Estate Options, Inc
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My wife and I work together as Buyer Agents in the Jacksonville, St Augustine & Orange Park Real Estate Markets... We have been truly blessed to be joined by a wonderful team of Realtors who spend their days assisting buyers and sellers.

To be successful Jacksonville Realtors we all know we must be available when our clients need help so we ALL personally sacrifice to wrap our lives around our client's needs...and this dedication has allowed us to help hundreds of families to find the right place to call "HOME." Click here to see what others have had to say about our team's heart & dedication.

We are experienced in most loan programs & can help make sure you understand the pros/cons of each option so YOU can make informed decisions. For all of you 1st Timers we understand 1st Time Buyer Programs too and they do still exist!!. They generally come with FREE $$ to assist with the down payment & closing costs. There are still a couple of 100% Financing options available such as VA Loans or USDA Loans in parts of St Johns County or Southern Clay County. We are only a text, email or phone call away and would enjoy joining in your home hunting if you would allow us to. :-)

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