Vail second home loans
Finance your Vail ski home with a lender based in Vail
Second home mortgages for Vail Village, Lionshead, Beaver Creek and all of Eagle County. Conventional loans go up to $1,249,125 here; above that, we arrange jumbo financing.
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- $1B+ funded
- 30+ years of experience
- Top 1% of UWM loan officers (2025)
Why a Vail second home is different
Lenders treat vacation homes differently from a primary residence: larger down payments, reserve requirements, and HOA and condo reviews that can decide whether a building qualifies at all.
Cedar Home Loans has an office in Vail, and Andrew McBryan brings 30+ years of experience financing Colorado mountain homes. We know which buildings raise warrantability questions and how to structure jumbo second-home loans so they close on time.
- Local Vail office on Basingdale Blvd
- Conventional second-home loans from 10% down
- Jumbo second-home loans above $1,249,125
- Help with condo and HOA reviews, including non-warrantable buildings
- Many purchases close in 30–45 days; as few as 21 with a complete file
Vail loan limits and typical terms
Eagle County has Colorado's highest 2026 conforming limit: $1,249,125 for a single-family home. Loans above it are jumbo loans.
- Conventional second home
- As little as 10% down, up to $1,249,125
- Jumbo second home
- Above $1,249,125 (about $1.25M); typically 10–20% down or more
- Credit score
- Most conventional lenders look for 620+; jumbo usually 700+
- Occupancy
- You use it part of the year and keep exclusive control
Vail Valley areas we finance
From Vail Village condos to East Vail homes, we finance second homes across the valley.
Vail Village
Lionshead
Beaver Creek
East Vail
West Vail
Avon / Edwards
Second home or investment property?
How you plan to use the home decides how it's financed. See the full comparison.
- Down payment (conventional)
- Second homeAs little as 10%Investment propertyTypically 15–25%
- Pricing
- Second homeOften betterInvestment propertyTypically higher
- Your use
- Second homeYou use it part of the year and keep exclusive controlInvestment propertyNo personal-use requirement
- Renting
- Second homeOccasional rental onlyInvestment propertyFull-time rental allowed
- Rental income to qualify
- Second homeCan't be usedInvestment propertyCan often be used, depending on the program
| Feature | Second home | Investment property |
|---|---|---|
| Down payment (conventional) | As little as 10% | Typically 15–25% |
| Pricing | Often better | Typically higher |
| Your use | You use it part of the year and keep exclusive control | No personal-use requirement |
| Renting | Occasional rental only | Full-time rental allowed |
| Rental income to qualify | Can't be used | Can often be used, depending on the program |
Vail second home questions
A second home is a one-unit property you use yourself for part of the year, such as a ski home, and keep under your exclusive control. It can't be run as a full-time rental or be under an agreement that gives a management company control over occupancy. Second-home loans usually allow a lower down payment than investment loans and are often priced better. If you plan to rent the property full-time or put it in a rental program, it's financed as an investment property.
Conventional second-home loans allow as little as 10% down, up to Eagle County's 2026 conforming limit of $1,249,125. Above that, it's a jumbo loan, and most jumbo second-home programs need 10–20% down or more depending on the loan amount. For example, 20% down on a $2 million Vail Village condo is $400,000.
Not on a conventional second-home loan. You can rent a second home occasionally, but that rental income can't be used to qualify. If you want rental income to count, the property would be financed as an investment property, or with a DSCR loan that qualifies on the property's rent.
Some Vail properties sit in condo-hotel programs with on-site rental management. These are usually non-warrantable, so they don't fit standard conventional loans and need specialized financing, typically with a larger down payment. Availability depends on the building. Send us the address and we'll tell you what's possible.
Vail Village and Lionshead offer ski-in/ski-out convenience. East Vail offers more privacy and space. West Vail is popular with families and full-time residents. Beaver Creek offers luxury ski access, and Avon and Edwards offer year-round communities nearby. The right fit depends on how you'll use the home.
Most conventional lenders look for 620 or higher, and higher scores generally get better pricing. Jumbo second-home loans, which many Vail purchases need, usually require 700 or higher. We work with multiple investors to compare options.
Get pre-approved for your Vail second home
Start online in a few minutes, or call Andrew to talk through the building, loan size and down payment.