Second Home Financing Options | Pacaso
Buy with confidence

Flexible financing

Together with our banking partners, Pacaso offers buyers access to a competitive-rate mortgage for up to 70% of their home’s purchase price.

white modern home with pool in desert

Pick what works for you

  • icon cash


    Use cash and enjoy mortgage-free Pacaso ownership.

  • ownership icon

    Credit line

    Tap a home equity line of credit (HELOC) or a personal line of credit.

  • icon mortgage


    Apply for a competitive-rate mortgage offered in partnership between Pacaso and our banking partners such as First Republic Bank.

Peace of mind

We've got you covered

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Pacaso serves as corporate guarantor of the loan, vetting qualified buyers and protecting you if a co-owner defaults. Have questions?

Financing FAQs

  • What down payment is required to purchase a share of a second home?

  • What are my options for financing?

  • How quickly can I get approved?

  • What happens if one owner defaults?

  • Is the loan in my name?

  • Can I pay off my loan early?

  • How and when do I make my payments?

  • Is there a financing fee?

  • Can I pull out equity on my Pacaso share?