Second home loan San Diego
Amir Nurani · NMLS #197458 · (619) 366-9494
Get Pre-Approved (619) 366-9494
A second home loan in San Diego County is for a property you will occupy part of the year, not a full-time rental. Occupancy rules matter. If you will rent it as a business, it is generally an investment property. Coastal and vacation use is common here. We shop conventional next to jumbo on the loan amount.
What is a second home loan in San Diego County?
Occupancy. You will use the property yourself for part of the year. It is not your primary residence and it is not a full-time rental. Coastal and vacation use in San Diego County is common. The underwriting fact is how you will occupy it, not the zip code on the listing.
Left Coast Leaders is a San Diego mortgage broker. Licensed in California. Company NMLS 2394495. Amir Nurani NMLS 197458. Company DRE 02191517. Amir DRE 02106803. We serve San Diego County and Riverside County. We shop conventional next to jumbo on the loan amount. See San Diego mortgage rates for why a published rate is not your lock.
Second home occupancy versus investment
If you plan to rent it full time, it is generally an investment property loan. If you will use it personally for part of the year and are not treating it as a pure rental, second-home guidelines may apply. Mislabeling occupancy can create problems later. Be honest about use before we price the file.
Limited personal-use rental activity may be allowed under specific rules. Ask before you rely on rental income in the application. Call (619) 366-9494.
How do the 2026 loan limits still apply?
Loan amount, not list price. For a 1-unit property in San Diego County, high-cost conforming is $1,104,000. Baseline conforming is $832,750. Amounts from $832,751 through $1,104,000 are high-balance conforming. Above $1,104,000 is generally jumbo. Confirm on loan limits.
FHA typical down is 3.5% and is a primary-occupancy program. VA is a primary-occupancy benefit. VA with full entitlement is not capped by the old county VA limit. Second-home occupancy does not turn those into vacation products.
What still has to work on a coastal or vacation file
You have to carry both housing payments. Credit, income, assets, reserves, and the property still have to work. Condo projects still have to be eligible. We do not invent a down-payment percent or a rate on this page. Use the mortgage calculator for a sketch. Writing an offer? The San Diego offer sheet puts the number on paper. Already own and changing the first loan? See Refinance San Diego.
We work these files in La Jolla, Carlsbad, Coronado, Del Mar, Encinitas, and Oceanside. Get a real number with Get Pre-Approved.
Frequently asked questions
It is financing for a property you will occupy part of the year, not a full-time rental. Occupancy rules matter. If you will rent it as a business, it is generally an investment property.
A second home is personal use for part of the year. An investment property is non-owner occupied. Mislabeling occupancy creates problems later. See investment property loan San Diego.
Often yes if the project and your file meet guidelines. Occupancy is still second home if you will use it personally for part of the year. Condo eligibility still has to work.
Not always, but down payment expectations are often higher than on a primary residence. We do not invent a down-payment number on this page. Call (619) 366-9494 for a real number.
Limited personal-use rental activity may be allowed under specific rules. Ask before you rely on rental income in the application. Full-time rental is generally investment occupancy.
The test is loan amount, not list price. 2026 1-unit high-cost conforming in San Diego County is $1,104,000. Baseline is $832,750. Amounts from $832,751 through $1,104,000 are high-balance. Above $1,104,000 is generally jumbo.
FHA typical down is 3.5% and is a primary-occupancy program. VA is a primary-occupancy benefit. Full entitlement is not capped by the old county VA limit. Second-home occupancy is a different path.
No. This page is occupancy and program structure, not a rate quote. See San Diego mortgage rates for why a published number is not your lock.
Need a second-home occupancy number?
Get pre-approved. We price the occupancy you will actually use, not a vacation listing.
Get Pre-ApprovedLeft Coast Leaders, Inc. · San Diego, CA 92111 · (619) 366-9494 · NMLS #2394495 · DRE #02191517 · Amir Nurani NMLS #197458 · Amir Nurani DRE #02106803 · Equal Housing Lender