http://www.zillow.com/advice-thread/is-it-possible-to-get-a-vacation-home-mortgage-with-an-average-credit-score/434751/ Zillow Advice | Zillow Real Estate http://www.zillow.com/advice-thread/is-it-possible-to-get-a-vacation-home-mortgage-with-an-average-credit-score/434751/ I believe you're going to have a hard time getting a mortgage for a 2nd home at 90% with the shortsale being 2 years ago.  Make sure in the meantime that you establish about 3 tradelines since the short sale that are paid with no late payments and keep the balances under 30% (or better at 10%) of the credit limits to maximize scores and have the best chance of approval.  Also try saving to 20% down and having reserves in the bank after the purchase. Sun, 11 Mar 2012 12:22:00 GMT http://www.zillow.com/advice-thread/is-it-possible-to-get-a-vacation-home-mortgage-with-an-average-credit-score/434751/ 2012-03-11T12:22:00Z