NON-WARRANTABLE CONDOS
Turn Hard-to-Place Condos into Closed Loans
In many high-demand markets, a growing share of condo transactions are falling outside agency guidelines. Investor concentrations, HOA litigation, mixed-use projects, or single-entity ownership structures are causing perfectly good borrowers, and strong deals, to be declined.
NON-WARRANTABLE CONDOS
A True Competitive Advantage
In today’s market, differentiation matters. Brokers who can offer non-warrantable condo financing become invaluable to real estate agents working in:
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High-rise and luxury condo developments
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Urban infill projects
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Investor-heavy or mixed-use buildings
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Boutique or newly converted properties
When you can finance what others can’t, you don’t just close more loans, you become indispensable.
Program Highlights
Our Non-Warrantable Condo Program is built to support the types of deals brokers are seeing right now:
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Loan amounts up to $3.5 million
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LTVs up to 85%
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No cap on investor concentrations
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Single-entity ownership up to 30%
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HOA litigation may be allowed upon review
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Project eligibility assessed up front
These features allow you to take on transactions that most lenders won’t touch, without unnecessary friction.
Built to Protect Your Pipeline
The biggest risk in non-warrantable condo lending isn’t the borrower, it’s the project. That’s why our program is designed to remove uncertainty early in the process.
We review the condo project up front to determine lendability before you invest weeks of time in underwriting, disclosures, and borrower expectations. That means:
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Fewer last-minute declines
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Fewer blown purchase contracts
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More predictable closings
You can lock in the deal with confidence and move forward knowing the property is viable.
Why This Program Wins You More Business
Offering financing for non-warrantable condos allows you to serve buyers and real estate agents that many lenders simply can’t. When you bring solutions to complex condo deals, you position yourself as:
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The broker who can get difficult transactions done
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A trusted resource for agents working in condo-heavy markets
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A go-to lender for luxury, investor, and urban properties
That translates directly into more referrals, stronger agent partnerships, and higher-value loan opportunities.
If you’re ready to expand your condo lending capabilities and protect more of your pipeline, this program is designed for you. Say yes when other lenders say no!