- team@rate-advantage.com
- 737-260-0099
- Austin, TX
Are you planning to invest in property? Real estate can be a powerful step toward financial independence. Whether it’s a vacation home by the beach, a second home in your favorite city, or an investment property designed to generate income, Harwich Mortgage Group can help you secure the right financing.
Unlike one-size-fits-all lenders, we take a personalized approach. Every borrower’s situation is unique, and our goal is to match you with a mortgage solution tailored to your financial goals and property plans.
Offers competitive interest rates and predictable monthly payments, making it a popular choice for long-term ownership.
Comes with lower interest rates and faster payoff, helping you build equity more quickly.
Options such as 10, 20, or 25 years—or even fully tailored loan periods between 7 and 30 years—are available depending on lender programs.
While they require larger down payments, they also provide flexibility and are widely accepted for both vacation and investment properties.
We strive to offer competitive and transparent pricing on all our mortgage and loan programs. Our goal is to help you secure the best possible financing with no hidden costs and exceptional service every step of the way. We’re confident in the value we provide—check out our Best Price Guarantee to see how we ensure you get the most affordable rates and unbeatable service tailored to your needs.
Primary Residence – Your main home where you live most of the time. Eligible for tax advantages, this is considered your “home base.”
Vacation or Second Home – A property you use for leisure or travel convenience. It’s not your primary residence but offers comfort and consistency during time away.
Investment Property – A home or building purchased with the intent of generating income, whether through renting, flipping, or resale.
Funding a vacation or investment property is different from financing your primary home. Lenders view these properties as riskier because they are often considered “luxuries.” If financial hardship arises, borrowers are more likely to prioritize payments on their primary residence. For this reason, non-primary mortgages often come with stricter requirements.
For example, while a primary home might require as little as 5% down, second homes and investment properties typically require 15–30% down. Interest rates may also be slightly higher, and lenders are often more cautious about your debt-to-income (DTI) ratio. In many cases, you may be asked to demonstrate available reserves—sometimes up to a year’s worth of mortgage payments—to reassure lenders of your financial stability.
Additionally, investment property loans are generally more expensive than loans for vacation homes. Unlike some primary residence loans, government-backed programs such as FHA, VA, and USDA loans are not available for investment or vacation properties. Instead, borrowers usually rely on conventional loans, which reward strong credit history, stable income, and substantial assets. Being transparent about your property’s purpose is essential, as lenders evaluate your application based on your intended use.
Real estate can be both a financial opportunity and a lifestyle decision. Whether your aim is passive income, long-term wealth, or simply a retreat from daily life, securing the right financing ensures your investment works for you. Choosing the right mortgage means balancing interest rates, repayment terms, and long-term affordability against your goals.
At Harwich Mortgage Group, we help you weigh short-term affordability with long-term payoff so you can make confident decisions. From prequalification to closing, our team ensures the process is smooth, transparent, and aligned with your property plans. Let us help you take the next step toward owning your vacation home or expanding your investment portfolio.
To apply for a home loan, you’ll need to provide proof of income, your credit history, and employment verification. Additionally, you’ll need to submit recent tax returns and details about your assets and liabilities. To apply for a home loan, you’ll need to provide proof of income, your credit history, and employment verification,
To apply for a home loan, you’ll need to provide proof of income, your credit history, and employment verification. Additionally, you’ll need to submit recent tax returns and details about your assets and liabilities. To apply for a home loan, you’ll need to provide proof of income, your credit history, and employment verification.
To apply for a home loan, you’ll need to provide proof of income, your credit history, and employment verification. Additionally, you’ll need to submit recent tax returns and details about your assets and liabilities. To apply for a home loan, you’ll need to provide proof of income, your credit history, and employment verification.
To apply for a home loan, you’ll need to provide proof of income, your credit history, and employment verification. Additionally, you’ll need to submit recent tax returns and details about your assets and liabilities. To apply for a home loan, you’ll need to provide proof of income, your credit history, and employment verification.
Take advantage of our client resources designed to make your homebuying journey easier and more informed. Browse through our website to learn more about our company, explore the wide range of loan programs we offer, and discover the right financing solutions for your unique needs.
