Non-QM
Non-warrantable condo
Financing when the condominium project fails agency warrantability tests.
- Investor concentration OK on many programs
- New or incomplete projects
- Litigation overlays vary
Who it is for
Buyers and investors in condos that agencies will not approve as warrantable.
Non-warrantable is a project problem, not a borrower insult. Once we see the questionnaire, we know whether a specialty condo program can close — or whether you should walk from the contract.
Questions
- Will every non-warrantable condo close?
- No. Pending litigation, unfinished common areas, or commercial concentration can still decline. We review the HOA package before you waive inspection contingencies.
Related programs
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.