my husband and i live in atlanta and are looking to buy a vacation home in west palm beach. Our budget is about $150-190K with 10% down. We have all our family in area and spend some much time there it makes sense. We need advice on how to get a vac loan (no rental will be involved) and how it's done across states. We make a little over 100k between us. good job stability and and good credit with about 10K in debt including car. we sold our house in atlanta and are currently renting so this vacation home will be only mortgage.