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As temperatures rise, so does the real estate market. Summer is one of the busiest times of the year for buying, selling, and investing in property. Whether you’re a first-time homebuyer, seasoned investor, or looking to refinance, having a clear summer real estate financing checklist can make all the difference in navigating your options.
Summer’s longer days and better weather lead to more listings, open houses, and buyer competition. Lenders are also more active, offering seasonal promotions and flexible terms. But to make the most of it, you need to act quickly—and strategically.
This guide will walk you through the full range of financing options and provide an actionable checklist to get you funded this summer.
Before approaching any lender:
Here are all the viable routes to secure real estate financing this summer:
Ideal for buyers with strong credit and financial history. Often offer lower interest rates, especially with 20% down.
Backed by the government, perfect for first-time buyers with credit scores as low as 580 and a minimum 3.5% down payment.
If you’re a veteran or active-duty military member, VA loans offer 0% down and no PMI (private mortgage insurance).
Geared toward rural property buyers, with income limits and 0% down options.
Short-term loans that “bridge” the gap between buying a new home and selling your current one. Useful in competitive summer markets.
Tap into the equity of your current home to finance a new property or renovation project.
Tailored for investors buying rental properties, often with different underwriting standards.
Quick approvals and funding, with higher interest rates. Best for flippers or short-term strategies.
Offered by state and local governments, nonprofits, and even employers.
Looking to tap into equity? Learn more about home equity loan strategies on our blog.
Get matched with a lender today and get preapproved in 24 hours! Start your lender search here.
Interest rates can fluctuate daily—especially in summer. Consider:
FHA loans are a great start due to lower credit and down payment requirements. Consider local DPA programs as well.
With full documentation and lender responsiveness, some approvals can happen within 10–14 days. Use preapproval to speed up offers.
Yes, some lenders roll out seasonal rate discounts or waived fees. Always ask during your loan comparison.
Want expert help navigating your financing this summer? Contact our real estate financing team today for personalized guidance.
Stay ahead in the summer real estate market by understanding every financing option available—and preparing to act fast. With this checklist in hand, you’ll be positioned for success whether buying, investing, or refinancing.
Our advise is based on experience in the mortgage industry and we are dedicated to helping you achieve your goal of owning a home. We may receive compensation from partner banks when you view mortgage rates listed on our website.