Non-Warrantable Condo Mortgage Program 

Flexible Underwriting

FHA and Conventional mortgages require the HOA to meet strict guidelines which can derail many condo home purchases.  Owner Occupancy rates, Delinquent Dues, or insurance requirements are some of the biggest issues to overcome.

We have the solutions and we want your business!


Virtually all reasons for Condo to be defined as Non-Warrantable are permitted

- Incomplete construction of the subject phase

- Low HOA budget reserves

- HOA delinquencies exceeding 15%

• Pending litigation not related to structural issues

• Must have a full kitchen and at least one separate bedroom. Minimum 500 square feet generally required. Efficiency or

studio units are not permitted.

20% Down payment required

$100,000 Minimum loan amount 
680 or higher middle credit score is required.  No credit score acceptable with alternative credit history.