{"id":7349,"date":"2015-08-04T14:49:43","date_gmt":"2015-08-04T18:49:43","guid":{"rendered":"https:\/\/aspire-canada.com\/?p=7349"},"modified":"2017-02-19T11:35:19","modified_gmt":"2017-02-19T16:35:19","slug":"9-tips-for-buying-a-second-home","status":"publish","type":"post","link":"https:\/\/aspire-canada.com\/?p=7349","title":{"rendered":"9 Tips for Buying a Second Home"},"content":{"rendered":"

9 Tips for Buying a Second Home<\/h1>\n
\n

\"buy<\/p>\n

Bill Fish and his family live in Cincinnati, but when he and his wife looked for ways for their children to spend more time with the grandparents, a vacation home in their resort community of Anna Maria Island, Florida, seemed perfect.<\/p>\n

\u201cIt\u2019s a simple three-bedroom ranch,\u201d he said, with a \u201cfive-minute walk to the beach, and we also have a nice private pool.\u201d His family vacations in the home twice a year and, when they\u2019re not on site, they recoup about half their costs by renting the property.<\/p>\n

Fish is far from alone. Last year, 21 percent of all homes bought in the U.S. were vacation homes \u2014 the highest percentage seen since the National Association of Realtors began recording the data in 2003. Investment properties <\/a>remained a popular buy, too, comprising 19 percent of homes purchased in 2014.<\/p>\n

Buying a second home can be exciting \u2014 and challenging. Before you bid on that mountain chalet or beachside bungalow, consider these tips.<\/p>\n

1. Know How to Compare the Cost of Location<\/h2>\n

In niche markets where most vacation homes are, the cost of real estate will vary dramatically by location. \u201cA $500,000 home on the lake may look a lot like a $300,000 home in the suburbs,\u201d said Glenn S. Phillips, CEO of Lake Homes Realty, which specializes in lakeside properties primarily in the north Midwest and southeastern U.S. That\u2019s because \u201cthe waterfront lot may be $200,000 more than a lot back home.\u201d<\/p>\n

To make more accurate comparisons between potential homes, Phillips suggests subtracting the location premium before comparing homes and prices.<\/p>\n

2. Even Sellers Might Need More Cash Than Expected<\/h2>\n

Even if you\u2019re just moving house and plan to sell the first home after closing on your new digs, you\u2019ll probably need to be qualified for costs associated with both the old and new mortgage.<\/p>\n

\u201cBridge loans are few and far between these days,\u201d said Jeremy David Schachter, mortgage advisor at Pinnacle Capital Mortgage in Phoenix. \u201cThey were very popular before the housing crisis. These days, borrowers have to qualify for both mortgages if they are not selling one to buy another one at the same time.\u201d<\/p>\n

3. Know How Much You Can Afford<\/p>\n

\u201cWith a second home, you would have to qualify on all your monthly debts, including any outstanding loans and the new mortgage for the second home,\u201d said Schachter.<\/p>\n

For a vacation home that won\u2019t be rented out, most buyers can finance up to 90 percent of the home\u2019s value, according to Fannie Mae. However, buyers will still need to consider all their other outstanding monthly debts, including the payment for their primary residence and the cash left in the bank \u2014 known as reserves \u2014 after the transaction is complete.<\/p>\n

4. Plan to Have Extra Cash in Reserve<\/h2>\n

If you plan to finance your second home, have cash stashed away. Most banks require second-home buyers to have at least two months\u2019 worth of mortgage payments in the bank, after you\u2019ve accounted for the costs for the new home settlement.<\/p>\n

If you\u2019re buying an investment property, you\u2019ll need a minimum of six months\u2019 worth of payments stashed away. If your credit score is below 680, expect that number to be even higher.<\/p>\n

5. Your Credit Score Matters \u2014\u00a0a Lot<\/h2>\n

Just like when you bought your primary home, your credit score<\/a> affects what rate you can get for your second-home mortgage. The higher your credit score, the more attractive the rate and the more you save over the life of your loan.<\/p>\n

The lower your credit score, the more cash the bank will expect you have in reserve. If your credit score is below 680 and you\u2019re planning to rent your new home, you might need to have up to 12 months of mortgage payments in the bank.<\/p>\n

6. Be Prepared With a Large Down Payment<\/h2>\n

The vacation home market can be competitive. The more cash you have for a down payment, the stronger your offer. \u00a0\u201cIn our markets (lake homes), about 70 percent of the deals are cash deals with no mortgage,\u201d\u00a0said Phillips. \u201cFor most vacation homes, many sellers don\u2019t have to sell. If they can afford a second home, they often can afford to wait for a desired offer and not be in a hurry to take low offers.\u201d<\/p>\n

If you\u2019re\u00a0planning to finance a vacation home, a 10 percent down payment will usually suffice, so long as you meet the other mortgage criteria and you purchase private mortgage insurance. If you\u2019re looking to rent your home, even just some of the time, it will be categorized as an investment property. Mortgage lenders can be more stringent for investment home loans, requiring at least a 20 percent to 25 percent down payment, said Schachter.<\/p>\n

7. Don\u2019t Rely on Online Valuation Tools<\/h2>\n

While online home price estimators can be a good tool when buying into a subdivision of similar homes, they don\u2019t always work so well in vacation home markets. \u201cThe automated tools are still young, and the data is difficult in markets where homes are influenced by lakes, oceans and mountains,\u201d said Phillips. \u201cAnd these homes are often custom-built and vary greatly.\u201d<\/p>\n

In other words, an in-person appraisal is often the best way to figure out a home\u2019s worth, particularly in resort areas, where home value is highly dependent upon location and individual home amenities.<\/p>\n

8. Work With an Agent Who Fully Understands the Area<\/h2>\n

\u201cMany second homes are purchased to focus on recreation or nature,\u201d said Phillips. \u201cThis can create interesting \u2018gotchas\u2019 in a home purchase.\u201d Areas with protected vegetation, rural road restrictions or unique land situations \u2014 like lake lots that are leased, for instance \u2014 can create big problems for an uneducated buyer.<\/p>\n

Phillips suggested working with a real estate agent who is a genuine expert in the location and type of home you want to buy. \u201cThey will know the often hidden dangers lurking for out-of-area buyers,\u201d he said.<\/p>\n

9. Be Aware of Taxes<\/p>\n

Different tax rules apply, depending on how you use the second home. If you rent for zero to 14 days per year, you\u2019re not required to pay federal taxes on the rental income, according to TurboTax. If you rent the home for more than 14 days, you\u2019re required to report all rental income, although you can deduct rental expenses for when the home is rented out.<\/p>\n

\u201cEach state can have very different property taxes, and these can\u00a0vary for second homes, even if the homestead residence is in another state,\u201d said Phillips.<\/p>\n

There are plenty of reasons to buy \u2014 and enjoy \u2014 a second home. The Fishes plan to hang on to theirs for as long as the kids have grandparents in the area. \u201cI\u2019m not quite sure if we will retire there,\u201d he said, \u201cbut we have no intention of selling it in the next 10 years. Our boys love it.\u201d<\/p>\n

This article originally appeared on GoBankingRates.com<\/a> and was syndicated by the Personal Finance Network.<\/p>\n

<\/div>\n<\/div>\n
<\/div>\n","protected":false},"excerpt":{"rendered":"

9 Tips for Buying a Second Home Bill Fish and his family live in Cincinnati, but when he and his wife looked for ways for their children to spend more time with the grandparents, a vacation home in their resort community of Anna Maria Island, Florida, seemed perfect. \u201cIt\u2019s a simple three-bedroom ranch,\u201d he said,…<\/p>\n

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