Can FHA be used for a second home?
Generally no. FHA is a primary-residence program. Second homes and vacation properties are typically conventional or jumbo.
What this actually means.
FHA requires the borrower to occupy the property as a primary residence, typically within 60 days of closing. A pure second home does not meet that standard.
Where this can move.
FHA program rules can change, lender overlays vary, and your specific file (credit, income, property, occupancy) drives the actual answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.