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California is a wonderful state – rich with history, culture, gorgeous landscapes, abundnt recreational opportunities and so much more. It’s not surprising so many people want to buy their dream vacation home in the Golden State! That’s why we’ve made it a goal to help vacation and second home buyers discover competitively priced financing solutions in California.

Call us today at (800) 939-4177




California Vacation Home Loans

A vacation home is a residential property that the owner uses for their own personal use and is not their primary residence. Vacation home loans finance such properties very similarly to loans for primary residences. However, in order for the IRS to consider your property a vacation home or second home, the property must be put to the owner’s personal use at least 14+ days per year or more than 10% of the the time the home is rented. Talk to one of our loan professionals or your tax advisor for details.

Vacation/Second Home Loan Quick Facts:

  • In order to be considered a second home or vacation home, you must occupy the property more than 14 days per year or more than 10% of the time it’s rented.
  • Conventional loans are the most common choice for vacation home loans, as government-backed loans typically only cover primary residences.
  • Mortgage rates for vacation homes may be slightly higher than loans for primary residences, as lenders consider them a riskier investment. To ensure you get the best rate possible, be prepared to make a sizeable down payment of at least 20%, keep your credit score as high as possible, and talk to one of our California loan consultants about finding the best time to lock in a rate.

Ready to get started? Call us today at (800) 939-4177


If you plan to rent out the home completely, either through a long term tenant or through short term tenants throughout the year, you may not qualify for a vacation home loan and instead will need an investment property loan. With an investment property loan, the borrower is financing a property that is both…

  • not your primary residence and
  • is purchased or used with the intent to generate income, profit from appreciation, or take advantage of certain tax benefits. This includes properties purchased in order to “flip,” where the buyer makes the purchase to fix up and resell as fast as possible – usually within the same year.

If you’re not sure which type of home financing you need for your home, feel free to reach out to us. We’ll review your homeownership goals, talk to you about the different options and help you find a loan program that meets your needs. Call us at (800) 939-4177 to get started.


In addition to California vacation home and second home loans, Trilogy Mortgage is pleased to offer a selection of conventional mortgages for primary residences, government-backed loans, low money down mortgage options, jumbo financing and more. Browse our programs page to explore our full selection.


Reach out to us today to begin the process of financing your California vacation home. We can be reached by phone, email or through the questionnaire on this page.

Call: (800) 939-4177 or (800) 939-4177 after hours

Email: info@trilogymortgage.com

Client Testimonials

Feedback from Customers

Margaret C.

Pasadena, CA (via YELP)

“My dad has worked with this lender twice before and gave me glowing reviews. I still did my own research into a handful of other companies and none of them came close to the rate offered here.”


Catherine N.

Fullerton, CA (via YELP)

“Exceptional service from end to end! Mike found the lowest rates and closing costs for us and was able to pull us away from a big bank that we used for many home purchases and mortgage refinances. He and his team did a superb job every step of the way. ”


Chuck H.

Long Beach (via YELP)

“I was referred to Trilogy and I would absolutely recommend them to all my friends, coworkers and relatives. All the paperwork was complete and accurate. The process was actually easy and I saved so much money on my mortgage.”