Competitive financing offers
Co-ownership is the smart choice for families looking for a luxury vacation home they'll use realistically only a few weeks each year. Pacaso offers the most hassle-free and seamless way to own a luxury vacation home. Shop our listings — many with low-interest financing under 5%.
Current financing options available
Financing under 5%
Enjoy zero interest for up to 36 months on select listings, as well as 5% financing on eligible resale homes.
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Enjoy a second home for 12 months with one low upfront payment — no long-term commitment required.
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Homes with rates under 5%
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Financing FAQs
What are my options for financing?
Buyers can pay cash, take out a personal line of credit, or access conventional financing through our banking partners. For buyers who choose financing, we've negotiated competitive rates and offer multiple financing options for up to 70% of the home purchase. We facilitate the process, so it's faster and simpler than a typical home loan.
Am I required to finance through Pacaso?
No. We offer integrated financing available to our buyers, but you are welcome to use other sources of capital like home equity financing or cash to purchase your home.
What down payment is required to purchase a share of a second home?
Buyers can finance up to 70% of their purchase. A minimum down payment of 30% is required. We offer competitive rates for all financing levels, with preferred rates for buyers paying 30-50% down.
How quickly can I get approved?
The approval process is straightforward and fast. We’ll request a copy of your driver’s license, pay stubs, a tax return, a current bank statement and a credit report. Once all documents are provided, approval takes just a few days.
What happens if one owner defaults?
If one owner defaults, Pacaso steps in as the guarantor of the loan and continues to make all payment obligations of the loan and any associated operating expense of that owner. If the owner cannot cure the default, Pacaso can resell the share to a new owner. This protection is one of the many benefits Pacaso owners enjoy with our fully managed LLC co-ownership program.
Is the loan in my name?
The loan is between our banking partner and the LLC. Borrowers access financing directly from the LLC.
Can I pay off my loan early?
Yes. There is no prepayment penalty for buyers who finance with our banking partners.
How and when do I make my payments?
Your monthly payments are automatically deducted safely and securely using ACH.
Is there a financing fee?
For buyers who choose to finance up to 70% of their purchase through Pacaso’s banking partners, a small fee will be assessed at closing. Our Crew will provide detailed information about financing options and costs.
Can I pull out equity on my Pacaso share?
No. The Pacaso property cannot be encumbered by any other debt outside of the financing options arranged by Pacaso on behalf of the LLC. This is to protect every owner of the LLC. It is worth noting that in the case of a share being resold, any appreciation in the share price being sold is all kept by the selling owner, not Pacaso.
Who are your banking partners?
As a global company, Pacaso works with all large money center banks.