I want to purchase a vacation home. How much do I need to put down? I was told 25%

It would be considered a 2nd home. You will have options with as little as 10% down. I would be happy to help. I am local kmorgan@arborlending.net

Unless you have really bad credit or no income, I'd find a new lender.

Standard traditional conforming loans loans only require a 10% down payment for a second home. I'd get a second opinion. The only time you should need that much for down payment on a second home is if you have credit issues.