Purchase
Condo purchase
Warrantable and, when needed, non-warrantable condo financing for owner-occupants and investors.
- Project review included
- Warrantable and non-warrantable paths
- Primary or investment
Who it is for
Buyers of condominiums where HOA, occupancy mix, or litigation would stall a standard condo loan.
Condo purchases fail more often on the project than on the borrower. We request HOA documents early and, if the building is non-warrantable, move to a dedicated program instead of hoping an agency exception appears at underwriting.
Questions
- What makes a condo non-warrantable?
- Common issues include investor concentration, incomplete projects, commercial space, or litigation. Those files often need Non-QM.
Related programs
- Non-warrantable condo
Financing when the condominium project fails agency warrantability tests.
- Co-op
Share-loan financing for cooperative apartments where the lender must accept the building’s rules.
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.