The snowbird's mortgage broker.
One broker, both states. I help Mainers buy their winter place in Florida, Floridians grab a summer escape up north, and everyone in between figure out the financing without juggling two lenders.
Can you finance a Florida second home as a Maine resident?
Yes. A snowbird or second home in Florida can be financed while you keep your primary home in Maine. Qualifying looks at your income and both properties, and the down payment and terms differ from a primary purchase. I structure these for Maine snowbirds every season.
Who I help
Built for the two-home life
Mainers heading south
Keep the house up north and add a winter place in FL — Naples, Sarasota, the Keys, anywhere the sun hits.
Floridians escaping summer
Grab a cottage on the coast or a camp on the lake. I close fast so you don't miss a Maine summer.
Half-year-each lifers
You already split time. Let's restructure the financing so it actually fits how you live.
The snowbird playbook
How we'll structure it
A few proven paths depending on whether you're keeping both homes, selling one, or planning to rent out the off-season.
Second Home Financing
Down payments as low as 10%, owner-occupied-style rates. Best when you're keeping both and using the second yourself.
Cash-Out from the Primary
Tap the equity in your Maine (or Florida) home to fund the down payment on the other. One closing, no juggling banks.
DSCR / Investor Loans
Want to rent it out the months you're not there? Qualify on the property's rental income, not your tax returns.
Bridge Loans
Closing dates don't always line up. A bridge loan lets you buy now and sell later without panic.
Why one broker matters
Two states, one phone number.
I'm licensed in Maine and Florida. I spend summers up there and winters down there. So when you call, you're not getting a 1-800 number, a transferred call, or a banker who's never seen a Florida flood-zone disclosure.
- No bouncing between a Florida lender and a Maine lender
- I know both markets, both insurance landscapes, both timelines
- Investor-friendly: DSCR loans across 38 states if you want to expand
- Same-day responses, real cell number, real broker
What you'll need to get pre-approved
Snowbird files are mostly the same as a primary purchase. Here's the short list:
- Last 2 years W-2s or tax returns (or rental income docs for DSCR)
- 2 most recent pay stubs
- 2 months bank statements showing down payment + reserves
- Photo ID and a quick credit pull
- Insurance quote on the new property (I can connect you with agents)
Snowbird FAQ
Quick answers
Do I need to put 20% down on a second home?
Nope. Second-home programs go as low as 10% down with the right credit profile. We'll walk through what makes sense for your numbers.
Can I rent it out when I'm not there?
Yes — but the loan type matters. If you'll be there most of the off-season, second-home pricing usually still works. If you're renting it heavily, a DSCR investor loan is often the better play.
Do I have to fly down to close?
No. We use remote online notarization and overnight closings all the time. Most snowbird purchases close without a single flight.
What about hurricane and flood insurance?
I'll flag flood-zone risk early in underwriting and connect you with Florida-savvy insurance agents so you don't get blindsided two weeks before closing.
Can I use my Maine home's equity for the Florida down payment?
Absolutely. A cash-out refi or HELOC on the primary is one of the cleanest ways to fund a snowbird purchase. We'll model both.
Ready to chase the sun (or the snow)?
Apply online in about 10 minutes, or just call me. One broker, two states, no nonsense.