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I would like to purchase property in another state that would only be used by me on and off durning the year. I guess this would be called a "second home". However I currently don't have a mortgage on the first one so I don't know if that makes it a second home or not. I am eligible for a VA Loan. How would this work ??
It really depends what you are trying to do. If you hold your primary home free and clear, you should have plenty of options.
If you were already looking to make a down payment on the second home, the rates are the same as normal home loans. If you were going to need equity from the first home or something like that, you still have plenty of options on #2 if #1 is free and clear.