Duane Buziak Explains the Vacation Home Mortgage for a Second Property in 2026
Duane Buziak, a mortgage broker serving Stafford County and the Quantico area, explains how a vacation home mortgage for a second property is underwritten differently from a primary residence loan. The article covers occupancy classification, down payment and credit expectations, cash reserves, and how two payments fit your debt-to-income ratio, so you can carry both homes without disturbing your current mortgage.