Purchase
Co-op purchase
Share-loan financing for cooperative apartments where the lender must accept the building’s rules.
- Co-op board and lender review
- Primary and some investment
- Experience with share loans
Who it is for
Buyers of cooperative apartments who need a lender comfortable with proprietary leases and flip taxes.
Co-op financing is a share loan, not a standard mortgage. Building financials, underlying mortgages, and board requirements shape the file as much as your credit. We only send applications to lenders who actually close co-ops.
Questions
- Is a co-op the same as a condo loan?
- No. You are financing shares and a proprietary lease. Fewer lenders participate, so program choice matters.
Related programs
- Condo
Warrantable and, when needed, non-warrantable condo financing for owner-occupants and investors.
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.