Northern Arizona University: Can a second home be used during the workweek?

DIRECT ANSWER

Original source observation: October 16, 2026. Primary-source review: October 17, 2026. Confirm current dates, costs, eligibility and availability with the linked publisher. Campus facts and general planning guidance do not determine an individual property's lawful use, employment benefits or mortgage eligibility. Fannie Mae guidance applies within its own program scope; other programs and actual loan documents require lender review.

Fannie Mae requires a second home to be occupied by the borrower for some portion of the year and to satisfy its other second-home requirements. The page permits identified rental income if it is not used to qualify and all second-home requirements remain satisfied; it does not make any rental income an automatic investment classification. Ask the lender whether your actual workweek use and rental plan qualify as a principal residence, second home or investment property before applying.