We are one such lender, and we're headquartered here in Florida. Your scenario sounds doable. A few things to bear in mind... Condos in general and Florida condos in particular are not a slam dunk. You can easily pick a condo that is ineligible for mortgage financing. Check with me or someone else who knows what they're doing, before you get serious... Credit is important, but it is just part of your overall profile. Qualifying income and debt ratios are vital, and figuring out what's doable requires discussion and careful analysis... Substantiating your vacation home (second home) premise also requires an understanding of the facts and circumstances. The mortgage industry is extremely cautious these days. Your story has to make sense. If there's any doubt, underwriters will err on the side of caution and deem your proposed purchase to be an investment property, which means stricter rules and the worst rates. To avoid nasty surprises, this should be discussed with an expert mortgage advisor up front... If you'd like to contact me, please feel free: James Wheeler, 813-600-3428.