The cabin already
knows your name
Mesa matches vacation-property buyers with second-home loan products traditional banks bury in fine print — so the lake cabin, desert casita, or beach bungalow you've been picturing stays within reach.
Estimate Your Payment
Est. Monthly Payment
for a place that feels like exhaling
*Estimate only. Rate based on conventional 30-yr as of Feb 2026. Not a commitment to lend.
Loan Types
Three paths to the porch you've been picturing
Conventional
Most PopularThe classic path to a second key
Fixed or adjustable rates for vacation properties. Down payments from 10% with strong credit. Ideal for lake cabins, mountain retreats, and coastal homes under $766K.
Starting
From 10% down
Range
Up to $766,550 loan limit
Jumbo
PremiumFor properties that won't be understated
Financing above conforming limits for premium vacation homes. Desert compounds in Sedona, oceanfront estates on the Outer Banks, ski-in/ski-out in Aspen.
Starting
Loans from $766K+
Range
No conforming ceiling
HELOC
FlexibleLet your primary home fund your second
Tap existing equity in your primary residence to finance a vacation property purchase, renovation, or down payment. Flexible draws, interest-only options.
Starting
Use existing equity
Range
Up to 85% LTV
The Process
From first number to front door
Three steps. No jargon. Mesa handles the mortgage so you can focus on the porch furniture.
Step 01 · Pre-Qualification
Know your number before you fall in love
In 10 minutes, Mesa reviews your income, assets, and existing mortgage to tell you exactly what you can borrow — for a second home specifically, not a primary.
Step 02 · Rate Lock
Hold your rate while you negotiate
Once you're under contract, Mesa locks your rate for 60 days. Vacation-home rates move fast — locking protects the payment you already calculated.
Step 03 · Closing
Sign, hand you the key, pour the wine
Mesa coordinates with title, appraisal, and your agent so closing day is quiet. Average close time: 28 days. Most clients get keys on a Friday.
The Second-Home
Buyer's Guide
32 pages covering vacation-property financing rules, common denial reasons, tax implications, and how to structure an offer in competitive markets. Written plainly. No fine print.
- Second-home vs. investment property: the IRS distinction
- Why banks deny vacation-property loans (and how Mesa doesn't)
- Rental income offsets: what counts, what doesn't
Client Stories
Already home, already glad
"Mesa found us a jumbo rate half a point below what our bank quoted. We closed on the cabin in 24 days. I still can't believe that's our dock."
— Marcus & Priya Holloway
"I was two years from retiring and had no idea HELOC financing worked for vacation homes. Mesa's team explained it in one call. Now we have the Sedona casita."
— Diane Kowalczyk
"Three families, one beach house, one Mesa loan officer. She walked us through the co-borrower paperwork like she'd done it a hundred times. She probably has."
— The Okonkwo-Barrett Families
Ready When You Are
The screen door is already swinging
Ten minutes is all Mesa needs to tell you exactly what you qualify for. No hard pull on your credit. No obligation. Just a number you can actually plan around.
No credit check · No obligation · Results in 10 minutes