A flexible mortgage for condos that don’t meet agency guidelines, allowing purchases in investor-heavy, short-term rental, or otherwise ineligible buildings.
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Non-Warrantable Condo loans provide financing for properties in condominium buildings that don’t meet traditional Fannie Mae or Freddie Mac guidelines. These situations may include a high percentage of investor ownership, allowance of short-term rentals, pending litigation, or insufficient reserve funds within the HOA. Available for primary residences, second homes, and investment properties, these loans offer flexible reserve, occupancy, and budget requirements, and can be structured with adjustable-rate or interest-only options to suit your needs.
For buyers interested in unique, high-demand, or income-producing buildings, this loan type keeps opportunities open when conventional lenders say no. Whether the property is in a new development, an investor-heavy complex, or a short-term rental zone, non-warrantable financing ensures you can close without delays caused by rigid agency rules. By working with an experienced lender, you gain access to competitive terms and faster approvals for properties that often have strong appreciation and rental potential.
Elliman Capital understands the intricacies of non-warrantable condo transactions and works closely with buyers, agents, and HOAs to secure smooth approvals. Start with our quick online application, and we’ll craft a loan strategy tailored to both your property and your financial goals.
