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Vacation Home Financing

Buy Your Florida Dream vacation home with a local expert

Vacation Home Financing Benefits
  • I have helped several clients, from all over the country buy a home here in Florida.
  • I help to refer other needed local service providers.
  • Great mortgage options with as little as 10% down!
Benefits of Getting Your Loan With Emmett Dempsey
  • Personalized service from one of Florida's top rated lenders.
  • Balance of online tools and technology with a human client touch.
  • Clarity of mortgage options and financial benefits through a Mortgage Coach Total Cost Analysis.
  • Continued Annual Reviews of your mortgage and personal finances.
Popular Loan Options
  • 30-Year Loan  - Fixed rate mortgage level for 30 years.  Maximize cash flow if you are planning on moving after retirement.
  • 15-Year Loan  - Same long term security as the 30-Year loan, but you pay far less in interest.
  • Non-QM Loan  - Alternative financing if you are self-employed and have trouble documenting income or if you have had a recent bad credit event.

I love helping people move to Florida.  I would love to help your family buy your next home.

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.

Qualify Me Now
Do I Qualify?

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed Rates

    Fixed Rates

  • Adjustable Rates Mortgage (ARM)

    Adjustable Rates
    Mortgage (ARM)

  • Conforming Loans

    Conforming
    Loans

  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA, & USDA Loans

    FHA, VA, & USDA
    Loans

  • Terms from 5 to 30 Years

    Terms from 5 to
    30 Years

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