★ Add LoanOfficer.ai as a preferred source on Google
The rebound is modest, but it gives loan officers a reason to revisit well-qualified borrowers with second-home intent.
Redfin reported July 28, 2026, that mortgages for second homes rose 4% year over year in 2025, the first annual increase in four years. That compared with a 1% increase for primary-home mortgages, according to the Redfin News article.
For mortgage professionals, the takeaway is not that vacation-home lending is suddenly back to pandemic-boom levels. It is that a small but higher-intent slice of the market may be moving again, especially among affluent buyers who can still qualify and absorb today’s ownership costs.