6 luxury second homes with under 5% interest rates

Published Date: November 7, 2023

A Napa second home with modern decor, luxury furnishings, vaulted ceilings and lots of natural light
It’s no secret that mortgage rates are high, but you don’t have to be priced out of your dream retreat. Here are six luxury Pacaso second homes you can co-own now with rates under 5%.

Modern magic

You won’t have to go far from Pine Point to experience the best of Lake Tahoe. Spend your days on the slopes, trails or water, then relax in this spacious new construction home that offers all the bells and whistles of modern mountain living. Invite your favorite people to enjoy an al fresco feast by the fire pit, a swim around the community pool and game nights by the fireplace.A modern Truckee second home with an outdoor patio and balcony

Pacaso listing: Pine Point — Truckee, CA

Beachside bliss

Chillier temperatures got you down? Enjoy yearlong sunny vibes at Windansea, a stunning home just steps from the Pacific Ocean. After a day exploring San Diego’s best sights and beaches, head home to host an epic dinner (with a side of views) in the spacious living area or catch the sunset from the rooftop deck.Outside of a second home in La Jolla near Windansea Beach

Pacaso listing: Windansea — La Jolla, CA

Mountain escape

No matter the time of year, Mountain Village is an ideal second home base for fun-seeking families. Take a short stroll outside for a lift up and down the slopes, and then come home to expansive living spaces, modern amenities and panoramic mountain views that’ll take your breath away — every time.Modern mountain home in Telluride

Pacaso listing: Mountain Village — Mountain Village, CO

Lagoon living

Located on coveted Di Lido Island, Venetian is the perfect Florida retreat. Take your pick between Miami Beach’s lively scene or Biscayne Bay’s calm, shimmering waters by day, and return to a stylish haven with all the luxury amenities you need to feel comfortable at home.Outdoor pool and terrace in Miami home

Pacaso listing: Venetian — Miami, FL

Artful sanctuary

Arterra is your place to slow things down. Spend summers hosting lively BBQs, lounging in the waterfall pool and savoring 31 acres of Napa Valley privacy. Host celebrations in the open living room, cook up feasts in the chef’s kitchen and cozy up to  movie nights in the barn-style guest room. Plus, a country club and wineries are just minutes away.​​A Napa second home with vast outdoor living areas: including a pool with three waterfalls, fire pit and hot tub

Pacaso listing: Arterra — Napa, CA


Sometimes, more is truly more. Escondido is a stunning 2-acre Greek-inspired Malibu paradise with beautiful tree-lined walkways, al fresco dining spaces, striking white interiors, a pristine pool, game room and plush home theater. Plus, the 12,000-square-foot estate is just minutes away from the area's best beaches and attractions.Outdoor space in Malibu

Pacaso listing: Escondido — Malibu, CA

Learn more about our flexible financing and payment options.

headshot of writer Tony Huynh

Tony Huynh

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