California Vacation Home Guide

Top Vacation Home Destinations in California

How to Buy a Vacation Home in California Without a Buyer's Agent

1. 1

   Research the Local Market

   Study active listings, sold prices, and seasonal demand in your target California destination. Check Airbnb and VRBO occupancy data if you plan to rent the property.

2. 2

   Get Pre-Approved for a Second Home Loan

   Second home financing is stricter than primary residence loans. Most lenders require 10–20% down, a credit score of 680+, and proof that you can afford both your primary mortgage and the vacation home payment.

3. 3

   Contact Listing Agents Directly

   When you find a property, contact the listing agent directly. They represent the seller but must treat you fairly. You can negotiate to keep the buyer's agent commission (2–3%) as a price reduction or closing cost credit.

4. 4

   Order an Inspection

   Vacation homes are often older and may have deferred maintenance or seasonal wear. Always order an independent inspection before finalizing your purchase.

5. 5

   Close the Transaction

   Work with a local title company or closing attorney to handle the paperwork. Budget for closing costs of 2–4% of the purchase price in addition to your down payment.