As Andrew stated, check with more than one lender -- to determine the best offerings and a mortgage professsional you can feel comfortable with.
If you need a few names - let me know.
I'm pretty sure Alexandra is asking a question on Trulia because she does not want to call a lender (like Wells Fargo) to ask.
You'd be short changing yourself if you only contacted Wells Fargo (not a local lender, but rather a national lender). We (Wintrust Mortgage) sell loans to Wells Fargo as well as other national lending institutions. Typically, Wells Fargo is a .25% higher in rate and $3000 to $5000 more expensive in closing costs.
The fico score requirement for a 2nd home purchase is a 680 (for both lender and private mortgage insurance guidelines).
Please see my blog for mor einfo, advice and tips on getting a mortgage in todays market
It is possible to get a mortgage on a second home with less than 20% down. Currently, a 10% down payment is required.
Please feel free to call me at 773-456-9662 or firstname.lastname@example.org if you would like more information or get started on the approval process.