Non-Warrantable Condo Loans: Financing the "Un-Financable"

Don’t Let Project Guidelines Stop Your Purchase.

Did your bank turn down your condo loan because the project was considered "Non-Warrantable"? Most traditional lenders only fund condos that meet strict Fannie Mae or Freddie Mac standards. If the project has too many rentals, a single entity owning too many units, or ongoing litigation, the "big banks" will walk away.

At LoanHouse, we lean in. We specialize in financing condos that fall outside traditional guidelines, ensuring you get the unit you want in the building you love.

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What Makes a Condo "Non-Warrantable"?

A condo usually becomes non-warrantable for reasons beyond your control. We provide solutions for projects with:

• High Investor Concentration: When more than 50% of the units are rentals rather than primary residences.

• Short-Term Rental Friendly: Buildings that allow daily or weekly rentals (Condotels).

• Single-Entity Ownership: When one person or company owns more than 20% of the total units.

• Pending Litigation: When the HOA is involved in a legal dispute.

• Commercial Space: Buildings where a large percentage of the square footage is dedicated to shops or offices.

• New Construction: Projects that haven't yet reached the required "pre-sale" percentage.

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The LoanHouse Advantage

We look at the big picture. If the property is a sound investment and you are a qualified buyer, we have the programs to bridge the gap.

Feature	Non-Warrantable Loan Details
Loan Types	Purchase, Rate-Term, or Cash-Out Refinance
Credit Scores	Options starting at 620+
Max Loan Amount	Up to $3M+
Down Payment	Typically 15% to 25%
Occupancy	Primary, Second Home, or Investment Property
Speed	Fast in-house review of Condo Questionnaires

 

Condotels: Vacation Home Financing Simplified

Looking at a unit in a resort-style building with a front desk and daily rentals? Most lenders won't touch Condotels. LoanHouse and their lenders offers specific programs for these high-yield properties, allowing you to own a piece of the vacation market in top destinations.

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Get Your Condo Project Cleared Today.

Don't let a "No" from a big bank be the final answer. Send us the address or the Condo Questionnaire, and we’ll give you a real answer in 24-48 hours.

Non-Warrantable Condo Loans & Condotel Financing | Loanhse.com