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.
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.