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Miami Florida non-warrantable condo loans are available through our loan programs, which offer flexible underwriting criteria that accommodate properties outside conventional guidelines. Whether the Miami Florida condo has high investor ownership, doesn’t meet HOA requirements, or any other factor that pushes it into the non-warrantable category, our Non-QM loan options could provide a solution. A wide range of Miami Florida condo lenders helps Miami Florida condo buyers secure financing for these unique opportunities.

4C-Checklist – Cash-Credit-Capacity-Collateral 

Some of our private Miami Florida condo mortgage lenders offer various forms of non-traditional income qualifying, including bank statement, 1099 only, or Profit loss, with NO need for tax returns.  For the best rates, condo applicants will provide personal financials, including full tax returns. For the best Miami Florida condo terms, lenders want to see strong credit, low DTI, and larger down payments. 

  • Cash-Down payment-Reserves: The initial amount you contribute toward the purchase, best case around 5% and worst case, 35% of the purchase price for bank loans. Larger down payments reduce lender risk and may secure better condo terms.
  • Credit: Reflects your credit history and repayment track record. Most lenders offer better rates for better credit. A higher score signals lower risk to the lender.
  • Capacity-Debt-to-income ratio (DTI): This compares your monthly debts to your gross monthly income. A lower DTI ratio shows you have more room in your budget for a mortgage payment. Verified through pay stubs, tax returns, or bank statements to confirm steady earnings. Banks want proof that your income can support long-term payments.
  • Collateral – For Miami Florida condo mortgage applicants, this is the hardest to overcome. Assuming your cash, credit, and capacity, your final hurdle is making sure the condo budget questionnaire and appraisal all check out.

Non-Warrantable Condo Questions and Answers

  • What are reserves, and why do I need them? Mortgage reserves are funds a homebuyer must have after closing their mortgage. They are designed to cover 3, 6, or 12 months of housing payments in case of financial hardship. No-tax-return mortgage lenders typically require a certain amount of reserves to mitigate the risk.
  • Do No Doc Miami Florida mortgage loans still exist? Yes, but there are a few no-doc Miami Florida mortgage lenders that have the exemption to prove ATR.
  • What’s the minimum credit score for a no-tax-return mortgage lender? Some lenders still go down to 500+ credit score with a much larger down payment and reserves.
  • Do I need tax returns to mortgage a condo in Miami Florida? No, there are many no tax return Miami Florida condo mortgage lenders will cash out, rate and term refinance a Miami Florida condo using alternative documents, including bank statements, w2, 1099 and or profit and loss statements, and rental agreements to verify income.
  • Is it difficult to get a mortgage on a Miami Florida condo? YES, most likely your Miami Florida condo is tied to the rest of the complex and the association that runs it; it’s seen as riskier for Miami Florida mortgage lenders. Because condos are perceived as higher risk, condo lenders require a condo questionnaire and budget to evaluate the risk. Most Miami Florida condo loans can require higher down payments and come with higher interest rates.
  • What does a non-warrantable condo mean? A “warrantable” condo meets certain criteria so that Fannie Mae, Freddie Mac, and most mortgage lenders will approve this loan because they can sell it. If the loan does not meet these warrantable requirements, the condo is considered non-warrantable and requires a larger down payment and higher interest rates.
  • Can I get a HELOC on a Miami Florida non-warrantable condo to get cash out? YES, Standalone Miami Florida Home Equity Line Of Credit In Miami Florida, Miami Florida cashout HELOC proceeds can be used for Miami Florida home improvement, major purchases, including automobiles and other real estate, etc. Min 640+ Credit Condos HELOC Miami Florida no questionnaire.
  • How do Miami Florida condo special assessments work? Condo assessments are extra fees levied against the condo, paid monthly, to cover large repairs (such as structural integrity, roofs, etc.). If a condo repair assessment is coming (or already approved), it can affect the affordability and may be a red flag for lenders.
  • What are the down payment requirements for Miami Florida Condos? Depending on whether it’s conventional financing, FHA/VA, warrantable, or non-warrantable, you may be looking at anything from a small down payment of 5%  (if the condo is approved warrantable) to 20‑25% or more if there are risk factors.
  • What are the condo association’s financial health and reserve fund status? Every Miami Florida condo mortgage lender has their own condo questionnaire and budget review to check whether the HOA or condo association has proper reserves for maintenance, structural repairs, etc. Miami Florida condo associations with low reserves or deferred maintenance may disqualify a condo from the most favorable financing.
  • What is the minimum credit score and down payment I need for a Miami Florida condo loan? Our private Miami Florida condo mortgage lenders go down to a 600+ credit score and a minimum 35% down payment. You can expect minimum credit score and down payment requirements to be higher than those for a single-family home loan. Miami Florida condo mortgage lenders impose stricter requirements for condos because they are perceived as a higher risk. Down payment requirements for a conventional loan can range from 5–25% depending on the condo budget and questionnaire.
  • In general, what type of questions does the Miami Florida condo questionnaire ask? A Miami Florida condo questionnaire asks for detailed information about a condominium’s income expenses, savings, structural integrity, ownership, and management to determine its eligibility for mortgage financing. The questionnaire is completed by the condo association or property manager and is a critical part of the Miami Florida condo mortgage approval process.
  • What’s the average down payment on a Miami Florida condo? 20% is most likely, but not always. If you’re buying a Miami Florida condo with a conventional loan, many condo lenders will require a minimum down payment of at least 5% depending on your financial situation and condo questionnaire. However, to avoid having to purchase private mortgage insurance, or PMI, some questionnaires forego a down payment, which can be as high as 25-30%.
  • Do Miami Florida mortgage lenders that lend on no or low condo reserves? YES, we have non-warrantable Miami Florida condo lenders that will approve condo mortgage loans with no questionnaire or budget required. 
  • How to get a cash-out mortgage on a condo in Miami Florida with No Reserves? If you need a cash-out mortgage on a Miami Florida condo with low or no reserves, you need to apply with us. We have access to private Miami Florida condo mortgage lenders. 
  • Do Miami Florida condo reserves have to be fully funded to get a mortgage? NO, we have Miami Florida condo mortgage lenders that do not look at the budget or questionnaire. 
  • For the best interest rates, how much reserves should a Miami Florida condo have for Fannie Mae? 10% minimum is the rule of thumb for your annual operating budget in your condo reserve fund at any time. In fact, for FHA-insured loans, Fannie Mae or Freddie Mac loans, it is actually a requirement that an amount equal to 10% of your annual operating budget be set aside in your Miami Florida condo reserve fund
  • How much should a Miami Florida HOA have in reserves? 70 Percent Funded is defined in the National Reserve Study Standards, where 100% funded means that enough cash is on hand to exactly match the deteriorated fraction of your Reserve components. However, in practical application, most Reserve experts agree that anything over 70% funded is considered a strong HOA Reserve Fund.
  • How do condo lawsuits or pending litigation against the association affect the financing options? Major lawsuits related to structural integrity or safety can scare Miami Florida condo mortgage lenders away and make a condo ineligible for conventional financing. However, minor litigation, such as that over noise complaints or slip and fall, may not be an issue. Please send us the litigation for approval. 
  • Do all lenders require a condo questionnaire? YES, BUT WE DO NOT. Almost all Miami Florida condo lenders require a condo questionnaire and budget, especially if they are applying for a conventional mortgage backed by a Fannie Mae or Freddie Mac loan with the best condo rates. Fannie Mae and Freddie Mac-backed mortgages make up 70% of the mortgage market.
  • Does Freddie Mac do non-warrantable condos? Non-warrantable Miami Florida lenders provide funding for Miami Florida condos that do not meet the criteria established by Fannie Mae, Freddie Mac, the FHA, or VA. Because of this, many Miami Florida condo mortgage lenders often will not offer loans for these units. Those that do may have stringent qualification standards for the borrower and the non-warrantable condo.
  • Is it easier to get a loan for a house than a condo than a house? NO, because most Miami Florida Mortgage lenders sell these loans, they tend to be stricter, which could block you from getting Miami Florida condo loan approval or cause you to pay more for the mortgage. For example, some \condo mortgage lenders will not approve the mortgage loan or require you to provide a larger down payment if the condo association has no cash reserves or an unqualifying condo budget.
  • Who pays for the condo questionnaire fee? The Buyer, since you want to buy the condo, the fee for a condo questionnaire is generally about $250-400. The prospective borrower typically pays the fee because they want to buy the condo.
  • Why do most Miami Florida condos not qualify for FHA loans? FHA-approved condos must meet certain criteria, including limits on the number of units owned by a single entity, minimum owner-occupancy rates, and restrictions on commercial space. We also consider factors like property tax payments and the overall financial health of the condo association.
  • What are the Miami Florida condo insurance requirements, both from the association and for the unit? Miami Florida condo enders will want proof of insurance (liability, hazard, flood if applicable) at the master association level, and an HO6 policy provides “walls-in” condo coverage, designed to complement the master policy held by the condo association. Specific interior insurance for the unit.
  • What are the Miami Florida condo insurance requirements, both from the association and for the unit? Miami Florida condo mortgage lenders will want proof of insurance on the master policy to include (liability, hazard, flood, in addition to requiring HO6 interior insurance for the unit. High insurance costs in Miami Florida (due to storms and hurricanes) can also affect carrying costs.
  • If the condo units are owner‑occupied vs rented, and what percentage are FHA/Freddie/Fannie loans, if too many units are non-owner occupied investor rentals, or there are many financed by government programs, some Miami Florida lenders may see more risk. Most Miami Florida condo mortgage lenders’ guidelines require a minimum percentage of owner‑occupied units. A minimum 50% owner-occupancy ratio for a condo project to be “warrantable” and financeable. A lower owner-occupancy ratio makes a condo project “non-warrantable,” generally leading to higher interest rates, larger down payment requirements, and difficulty in securing a standard Miami Florida condo mortgage, sometimes requiring a special portfolio loan.
  • What is the loan‐to‐value (LTV) or combined loan-to-value (CLTV) ratio over the loan limit thresholds in that area? If the condo price is over certain loan limits, you’ll need a jumbo, combo, or non‑conforming loan to qualify for condo financing. 
  • What are condo mortgage lenders’ credit score & debt‑to‑income (DTI) expectations? As with any mortgage, your credit and debt ratio matter. Our lenders generally require a minimum 600 credit score and a maximum 50% (DTI) debt-to-income ratio.
  • What documentation do condo mortgage lenders require from the condo association? Most Miami Florida condo mortgage lenders require a copy of the condo budget, reserve study, insurance policies, building inspection reports, association meeting minutes, any litigation, etc. We have lenders that waive all these requirements and only require insurance and appraisal documents.
  • How do I know if a condo is approved for FHA, VA, or other government‑backed loan programs? Many Miami Florida condos are not. If you want to use FHA or VA financing, you must first verify the condominium’s/project’s approval status in advance.  To determine if a condo is approved for FHA or VA loans, you must search online government databases: for FHA, use the HUD website’s FHA Approved Condominium Project database; and for VA, use the VA’s condo database. You can search by the condo’s name or ID, or by location, like zip code or city. Be sure to check that the condo’s status is listed as “Approved” and that the approval hasn’t expired. You can also check MLS recent sales and financing for the Miami Florida condo unit to determine the likelihood of approval.
  • How do the ongoing Miami Florida condo carrying costs (HOA dues + insurance + special fees)  affect monthly condo payments? Sometimes the HOA dues or assessments + insurance + property taxes plus the mortgage payment can make a condo much more expensive monthly than expected.
  • What inspections or structural reports are required for Miami Florida condos under the new laws? After the Surfside, Miami Florida, condo collapse, Miami Florida passed laws including SB‑4D, SIRS, and Mandatory structural inspections. aimed at making building safety and transparency stricter. These affect condo eligibility for financing.
  • How to get a mortgage for a non-warrantable Miami Florida condo? We have access to private Miami Florida non-warrantable condo lenders that lend on condo buildings that do not meet warrantability standards. No matter how strong a home buyer’s individual mortgage qualifications are, a non-warrantable condo cannot be approved through conventional loans because it does not meet the guidelines. 
  • Is it a bad idea to buy a non-warrantable condo in Miami Florida? You should only buy a non-warrantable Miami Florida condo if you understand the significant risks, including limited financing options, resale challenges, and higher interest rates, and if the property is a good long-term investment for you despite these hurdles. To determine if it’s the right choice, you must identify the specific reason the condo is non-warrantable, assess if the issue can be fixed, and confirm that you can secure alternative financing, such as an all-cash purchase or private lenders, and then weigh the potential for appreciation against the increased risks.

No or Low Miami Florida Condo Association Reserves

  • Miami Florida statutes 718.11 require that a Miami Florida residential condominium association must have a structural integrity reserve study completed at least every 10 years after the condominium’s creation. Miami Florida condo buildings up to 8 stories must conduct a Structural Integrity Reserve Study (SIRS) every 10 years to determine funding needs for structural components, and they can no longer waive these funds, with associations required to fully fund them based on the SIRS. For components with a replacement cost or deferred maintenance of at least $25,000 (adjusted for inflation), reserves must be maintained. Miami Florida condo associations can choose to take out loans or pass special assessments to meet these requirements, and funds can be used for specific reserve items, though unit owners can vote to redirect funds after the developer sells control

Miami Florida Condo Mortgage Qualifying: 

1. The borrower must be approved by verifying Cash, Credit, and Capacity.
2. No Questionnaire, No Budget Miami Florida Condo Mortgage Approvals!
3. NEW! No Condo Questionnaire, No Budget, No Master Windstorm requirement!

Condo Mortgage Downpayment Options: 

NO Questionnaire Miami Florida Condo Mortgage Lenders

A Miami Florida condo questionnaire is a standardized form used by Miami Florida condo mortgage lenders to assess the eligibility of a condominium project for financing backed by Fannie Mae or Freddie Mac. It’s a crucial part of the condo mortgage approval process for condo purchases, providing lenders with vital information about the condo association’s financial stability, legal standing, and physical condition. The condo questionnaire helps condo lenders determine the financing ability of a specific unit within the development. 

Miami Florida Condo Questionnaire: Common Issues 

  • Delinquencies: Too many unit owners are 60 or more days behind.
  • Pending litigation: The HOA is involved in active or pending unresolved litigation.
  • Reserves: The condo association’s reserves in its budget are inadequate. Does the condo association have sufficient reserves for possible unexpected costs that could include roof repairs, replacements, and future improvements?
  • Missing information: Key details about the building’s structure, financials, or legal status may be absent, forcing lenders to return the form for clarification.
  • The investor ratio is too high (i.e., the number of units sold or closed or under contract to investor owners is too high in comparison to the number of units sold or closed or under contract to owner-occupants or second-home owners).
  • No Windstorm Insurance: Miami Florida condominium associations are grappling with a complex and evolving situation regarding windstorm insurance, driven by rising costs, changes in legislation, and increased scrutiny following events like the Surfside building collapse. 

Non-Warrantable Jumbo Miami Florida Condo Lenders

Jumbo Mortgage Refinance Condotels-Condos Mortgage Miami, Sunny Isles, Fisher Island, North Bay Village, Hillsboro beach, Punta Rasa, Daytona Beach shores, Miami Florida Non warrantable mortgage lenders or Refinance Miami Florida jumbo Palm Beach Condotel, Non-warrantable Miami Beach condos, Condotels and Jumbo Condos in all Miami Florida, including Miami,  Fort Lauderdale, Orlando,  Hallandale, Aventura, Sunny Isles,  Jumbo Miami Florida mortgage applicants can encounter unique challenges when financing non-warrantable Miami Florida condos, condotels. Our Jumbo non-warrantable Miami Florida condo mortgage lenders are here to help you every step of the way. Serving all of Miami Florida, including Fort Walton Beach, Miramar Beach, Marco Island, Siesta Key, Key West, and all the beaches in Miami Florida.

Miami Florida Condo Conventional Mortgage Options:

Miami Florida mortgage lenders offer various options for obtaining condo loans. These include conventional, FHA, VA, non-QM, jumbo, private money, or hard money loans. Conventional loans are the most popular and may require down payments as low as 3-5% with full Fannie Mae condo approval.. In the Miami Florida Condo Market, most people have to put down larger down payments to meet the Miami Florida condo mortgage lender’s requirements.

Basic Guidelines For Condo Approval:

  • The project must have at least five single units.
  • At least 50 percent of the units must be occupied by owners.
  • No single owner or entity can own more than ten percent of units.
  • Association dues cannot be delinquent by more than 15 percent.
  • Borrowers with less than 25 percent down must pay .75 percent of the loan at closing or accept a mortgage rate that is .25 percent higher.
  • All association construction must be completed if the development is more than one year old.

Miami Florida Mortgage lenders will examine the association’s finances and will deny a mortgage application for units where the association’s financials are questionable or lawsuits are pending.

Why Are Condo Mortgage Rates Higher?

Miami Florida Condo mortgage rates tend to be higher than those for single-family homes due to the perceived risk for Miami Florida mortgage lenders. There is an added cost depending on how much equity you have. If you have less than 25 percent equity and less than perfect credit, there could be added interest rate costs for condominium mortgage rates.

If you call around shopping for a lower rate, most brokers will tell you that condominium rates are just higher, take it or leave it. If you’re getting a Fannie Mae condominium mortgage loan, you’ll take a hit of .75 percent for any mortgage loan over 75 percent loan-to-value (LTV). If you are putting less than 25 percent cash down on your home purchase, you can expect to pay a higher mortgage interest rate.

Miami Florida Condominium Qualifications

As it is with any home mortgage loan, getting a loan for your condo purchase requires sufficient credit and steady income from employment or other sources. You will also be required to make a down payment in most cases, which ranges from 5 to 35 percent, depending on the type of loan you are getting.

Miami Florida condominium mortgage loans typically have more stringent loan-to-value (LTV) requirements than single-family homes. The condo loan-to-value is the ratio of how much your condo is worth compared to how much you owe. If you make a 25% down payment, your loan-to-value ratio would be 75%.

Condo Homeowner Association Matters

One of the biggest obstacles to getting a mortgage for a condo investment is finding an approved condo development. This is especially true for getting a Miami Florida condo mortgage.

What makes Miami Florida condo home loans so difficult for many borrowers is that, in addition to qualifying based on your income and credit history, the condo homeowner association must qualify to get your loan approved. Miami Florida mortgage lenders are required to follow condominium guidelines set by Fannie Mae, Freddie Mac, and the FHA before they can approve your condo for a mortgage loan.

Condominium Mortgage Terms

Term length is the amount of time you have to repay your Miami Florida condominium mortgage loan. The choices for term lengths are typically 15 or 30 years.

If your goal is to have the lowest monthly payment possible, choose a 30-year term length for your Miami Florida condominium mortgages. If your goal is to build equity quickly, then a 15-year condo mortgage will result in a higher monthly payment; however, you will build ownership in your condo at a much faster rate than a 30-year mortgage.

As is the case with single-family homes, you will have the option of choosing a fixed or adjustable interest rate. You can even choose an interest-only loan if you need the lowest possible payment for the interest-only period of your repayment.

Buying a Miami Florida condo can be a very frustrating experience for the uninitiated because loan approval is not solely dependent on your credit history and income. Your realtor, mortgage broker, and Miami Florida homeowners’ association all have resources available to help you get to the finish line.

As with any home purchase, doing your homework on the development, homeowners’ association, mortgage rates, and fees can save you time and frustration on your next condo purchase.

Miami Florida Condo Mortgage Projects Include:

PARADISE POINTE CONDO PARADISE POINTE CONDO
STAR LAKES ESTATES NO 5 C STAR LAKES ESTATES
ARLEN HOUSE EAST CONDO Arlen House East Condomin
THE LOFTS AT HARDING COND THE LOFTS AT HARDING
ARIA ON THE BAY CONDO ARIA ON THE BAY CONDO
SOUTH BAY CLUB CONDO South Bay Club
LAS VISTAS AT DORAL CONDO LAS VISTAS AT DORAL CONDO
Valencia Condo Valencia Condo
ARTECITY GOVERNOR CONDO ARTECITY GOVERNOR CONDO
VENETIA GROVE GROVES
AVENTURA ELDORADO CONDO EL DORADO
ST TROPEZ OCEAN CONDO ST TROPEZ OCEAN CONDO
THE SEASONS VILLAS & THMS THE SEASONS VILLAS & THMS
VENETIA GARDENS SOUTH CON VENETIA GARDENS SOUTH CON
THE MARK ON BRICKELL COND THE MARK ON BRICKELL
OCEAN POINT BEACH CLUB CO Double Tree
ELEVEN CONDO ELEVEN CONDO
PORTO BELLAGIO CONDO PORTO BELLADGIO
Courtyards of Hialeah Courtyards of Hialeah
Gale/ Natiivo Gale/Natiivo
UPTOWN MARINA LOFTS CONDO UPTOWN MARINA LOFTS
RISE CONDO RISE Condominium
THE DECOPLAGE CONDO THE DECOPLAGE
OCEAN RESERVE CONDO OCEAN RESERVE
THE PLAZA OF BAL HARBOUR The Plaza Of Bal Harbour
BISCAYA III CONDO BISCAYA CONDO
EIGHT PALMS CONDO EIGHT PALMS CONDO
Westgate Westgate Residence
HAMPTONS WEST CONDO HAMPTONS WEST CONDO
AVILA SOUTH CONDO AVILA SOUTH CONDO
1300 S MIAMI AVENUE CONDO SLS Brickell
ASTON MARTIN ASTON MARTIN
THE DECOPLAGE CONDO THE DECOPLAGE CONDO
TRUMP INTERNATIONAL BEACH Trump International Beach
THE BAYLISS CONDO The Bayliss
LINCOLN PALACE CONDO LINCOLN PALACE
THE HORIZONS CONDO #6 THE HORIZONS
GALEN BREAKERS CONDOMINIU GALEN BREAKERS CONDOMINIU
Bayview Palms Bayview Palms
THREE HORIZONS SOUTH COND three horizons south
500 BRICKELL WEST CONDO 500 BRICKELL WEST
DORANN CONDO DORANN CONDOMINIUM
THE GREENS CONDO The Greens
GROVE ISLE CONDO Grove Isle
SUNSET PALMS EAST CONDO SUNSET PALMS EAST
OCEANVIEW BUILDING B COND OCEANVIEW
PARAMOUNT MIAMI WORLDCENT PARAMOUNT MIAMI WORLDCENT
THE AVENTURA BEACH CLUB C Marco Polo
FLAMENCO CONDO TOWER 2 Flamenco Condo Tower 2
ONE OCEAN CONDO ONE OCEAN CONDO
BYRON GARDENS CONDO Byron Gardens
CORONADO CONDO- TOWER II CORONADO CONDO TOWER II
LAKESHORE CONDO #4 LAKESHORE
SPANISH TRACE CONDO Spanish Trace
THE LEDGES CONDO THE LEDGES CONDO
SUNSHINE BAY CONDO Sunshine Bay Condominium
DORAL OAKS CONDO #1 Casper House
NORTH BISCAYNE BEACH AMEN Estates at Acqualina
VILLA DORADA CONDO NO 2 VILLA DORADA
TWIN TOWERS CONDO TWIN TOWERS CONDO
THE HARBOUR NORTH CONDO THE HARBOUR
OCEANVIEW BUILDING A COND Oceanview A
ASIA CONDO ASIA CONDO
LAGO GRANDE TWO CONDO Lago Grande
VENETIAN GARDENS AT COUNT VENETIAN GARDENS
DEL PRADO MARINA DEL PRADO CONDO
THE WAVERLY AT SURFSIDE B The waverly
GALLERY ART CONDO Gallery Art Condo
CRICKET CLUB CONDO CRICKET CLUB CONDO
VENETIAN GARDENS AT COUNT VENETIAN GARDENS
DEL PRADO MARINA
CORAL GATE WEST CONDO CORAL GATE WEST
300 BISCAYNE BLVD WAY COND Aston Martin Residences
BRICKELL BAY CLUB CONDO BRICKELL BAY CLUB CONDO
SEAWAY SOUTH SEAWAY SOUTH
COMMODORE PLAZA CONDO Commodore Plaza
BRISTOL TOWER CONDO BRISTOL TOWER CONDO
PINE ISLE PINE ISLE
SEAWAY SOUTH SEAWAY SOUTH
THE GRANDVIEW PALACE COND GRANDVIEW PALACE
THE LOFT DOWNTOWN II CONDO THE LOFT DOWNTOWN II
THREE SEASONS CONDOMINIUM THREE SEASONS CONDOMINIUM
BEACH POINT CLUB CONDO BEACH POINT CLUB CONDO
THE BAYLISS CONDO THE BAYLISS CONDO
AVENTURA MARINA CONDO NUM AVENTURA MARINA TOWER 1
CRESTVIEW TOWERS CONDO CRESTVIEW TOWERS CONDO
WEST PARK VIEW CONDO West Park
VILLA BAY VISTA CONDO Villa Vista
RIVER GRAND II CONDO RIVER GRAND II CONDO
THE TOWERS OF QUAYSIDE CO The Towers of Quayside
THE AVENTURA BEACH CLUB CO THE AVENTURA BEACH CLUB
MARINA PALMS SOUTH TOWER MARINA PALMS SOUTH TOWER
GREEN DIAMOND CONDO Green Diamond
CORONADO CONDO- TOWER III Coronado Condo
BRICKELL KEY ONE CONDO BRICKELL KEY ONE CONDO
BELLA VENEZIA CONDO bella venezia
MIRADOR 1000 CONDO MIRADOR 1000 CONDO
COSTAIN VILLAS HARBOR VIL VILLAS HARBOR
POINT EAST SEC III CONDO Point East

Eloquence On The Bay Eloquence On The Bay
PARKVIEW HOUSE CONDO Parview House
HARBOUR POINTE OF MIAMI C HARBOUR POINTE OF MIAMI
THE COURTS AT DORAL ISLES THE COURTS AT DORAL ISLES
TERRAZAS RIVERPARK VILLAG Terrazas Riverpark
HIGHLAND AT PARK CENTRAL Highland at Park Central
ROYALE GREEN CONDO 6 ROYALE GREEN
CARIBBEAN ISLES VILLAS CO Caribbean Isles Villas Co
PARAMOUNT MIAMI WORLDCENT Paramount Miami
THE TOWERS OF QUAYSIDE CO THE TOWERS OF QUAYSIDE
DORAL GRAND CONDO DORAL GRAND CONDO
SEA WASH CONDO SEA WASH CONDO
KEY BISCAYNE VI CONDO
WINSTON TOWERS 700 CONDO winston towers 700 condo
SUNRISE POINT CONDO Sunrise Point Condo
SHAMROCK BY THE GABLES SHAMROCK BY THE GABLES
LAKEVIEW GARDENS AT MIAMI LAKEVIEW GARDENS AT MIAMI
WINSTON TOWERS 200 WINSTON TOWERS
MIRADOR 1000 CONDO MIRADOR 1000 CONDO
CAMINO CIRCLE CONDO CAMINO CIRCLE
FLAMENCO CONDO TOWER I Flamenco Con
BRICKELL TOWNHOUSE CONDO BRICKELL TOWNHOUSE CONDO
SAILBOAT CAY CONDO SAILBOAT CAY CONDOMINIUM
INTERNATIONAL PARK I COND INTERNATIONAL PARK I COND
KEYSTONE TOWERS CONDO KEYSTONE
MYSTIC POINTE TOWER 500 C MYSTIC POINTE
QUANTUM ON THE BAY QUANTUM ON THE BAY
MYSTIC POINTE TOWER 500 C MYSTIC POINTE
CLEARVIEW TOWERS CONDO CLEARVIEW TOWERS CONDO
PARQUE TOWERS CONDO Parque Tower
Mystic Pointe
CENTRO CONDO Centro
CENTRAL CARILLON BEACH CO Carillon Miami Beach
Quantum on The Bay Quantum on The Bay
KENNEDY HOUSE CONDO KENNEDY HOUSE
Bayview Palms Bayview Palms
ONE THOUSAND VENETIAN WAY One Venetian Way
YACHT CLUB AT PORTOFINO C YACHT CLUB AT PORTOFINO
Vecino Del Mar Vecino Del Mar
VILLA BELLINI CONDO VILLA BELLINI CONDO
7600 OCEANSIDE AT FISHER 7600 OCEANSIDE AT FISHER
ARLEN HOUSE EAST CONDO Arlen House East
BRICKELL HEIGHTS EAST CON Brickell Heights East
SOUTHERN STAR CONDO Southern Star Condominium
THE FOUNTAINS AT FONTAINE The Fountains
THE GREENS CONDO The Greens
ENSENADA CONDO BLDG E-II ENSENADA
VENETIAN GARDENS AT COUNT VENETIAN GARDENS
Sunset Palms East Condo Sunset Palms East Condo
SEC 48 ATRIUMS AT SNAPPER Atriums at Snapper Villag
THE YACHT CLUB AT AVENTUR yacht club aventura
ISLAND TERRACE CONDO ISLAND TERRACE CONDO
Gale Miami Gale Miami
KENLAND BEND SOUTH CONDO Kenland Bend South
CLEARVIEW TOWERS CONDO Clearview Towers
BAYVIEW GARDENS CONDO BAYVIEW GARDENS CONDO
TURNBERRY ISLE CONDO Turnberry isle North
TEN MUSEUM PK RESIDENTIAL TEN MUSEUM
LA GORCE PALACE CONDO LA GORCE PALACE CONDO
MONTEREY AT MALIBU BAY CO Monterrey
SOUTH POINTE TOWERS CONDO South Pointe Towers
MARQUIS I OF CORAL WAY CO Marquis I of Coral Way
BLOSSOMS AT THE HAMMOCKS Blossoms at the Hammocks
ICON BRICKELL CONDO NO 3 Icon Brickell
ONE MIAMI EAST CONDO One Miami
SOUTH LAKE VILLAS CONDO SOUTH LAKE VILLAS
PARADISE POINTE CONDO PARADISE POINTE CONDO
WILLIAMS ISLAND WILLIAMS ISLAND
1300 S MIAMI AVENUE CONDO DUA BRICKELL
PORTO BELLAGIO CONDO PORTO BELLAGIO CONDO
OCEAN POINT CONDO Ocean Point
BURLEIGH HOUSE CONDO BURLEIGH HOUSE CONDO
Bath Club Bath Club
CITY 24 CONDO CITY 24
RONEY PALACE CONDO Roney Palace
THE CLUB AT BRICKELL BAY THE CLUB AT BRICKELL BAY
BACCARAT BACCARAT
AVILA CONDO Avila North Condos
Parc Central Aventura Sout Parc Central Aventura
PROMENADE AT KENDALE LAKE PROMENADE AT KENDALE LAKE
Elser Elser
THE COURTS AT DORAL ISLES THE COURTS AT DORAL ISLES
WINSTON TOWERS 200 WINSTON TOWERS 200
RO-MONT SOUTH CONDO G RO-MONT SOUTH CONDO G
TERRACES NORTH TURNBERRY Terraces North Turnberry
MIRADOR 1000 CONDO MIRADOR 1000 CONDO
MYSTIC POINTE TOWER 500 C MYSTIC POINTE 500
BAY BREEZE ARIA RESERVE
PORTOFINO TOWER CONDO PORTOFINO TOWERS
OCEAN RESERVE CONDO OCEAN RESERVE
ONE MIAMI EAST CONDO ONE MIAMI EAST CONDO
100 HIDDEN BAY CONDO HIDDEN BAY CONDO
THE MARK ON BRICKELL COND The Mark
BRICKELL KEY II CONDO
THE OAKS AT SOUTH MIAMI C THE OAKS AT SOUTH MIAMI
Bath Club Bath Club
WINSTON TOWERS 700 CONDO Winston Towers 700 Condo
BRICKELL KEY II BRICKELL KEY II
Doral House 1 Doral House 1

THE MARK ON BRICKELL COND THE MARK ON BRICKELL
METROPOLIS II AT DADELAND METROPOLIS II
GROVENOR HOUSE CONDO GROVENOR HOUSE CONDO
VENETIA CONDO VENETIA CONDO
344 MERIDIAN AVE CONDO 344 meridian
THE EMERALD AT BRICKELL C The Emerald at Brickell
PARC CENTRAL AVENTURA SOU PARC CENTRAL
GRAND BAY COMMONS SOUTH Midtown at Doral
GABLES PARK TOWER CONDO GABLES PARK TOWER CONDO
ELOQUENCE ON THE BAY COND Eloquence On The Bay Cond
BAYSWATER COURT CONDO BAYSWATER COURT CONDO
1342 DREXEL CONDO 1342 DREXEL CONDO
CORAL WAY GARDENS CONDO CORAL WAY GARDENS
GALIL I CONDO GALIL I CONDO
THE GRANDVIEW PALACE COND THE GRANDVIEW PALACE COND
PORTUGAL TOWERS CONDO Portugal Towers Condo
CORAL PLAZA OF MIAMI COND Coral Plaza of Miami
CASA GRANDE CONDO
CANVAS CONDO Canvas Condo
BRICKELL HEIGHTS WEST COND Brickell Heights
FERNWOODS NO 4 CONDO BLDG FERNWOODS NO 4 CONDO BLDG
1800 CLUB CONDO 1800 Club
TRUMP ROYALE CONDO TRUMP ROYALE CONDO
LAKE VILLA ONE CONDO Lake Villa One
PARQUE TOWERS CONDO Parque Towers Condo
The Plaza
GABLES WATERWAY TOWERS CO Gables Waterway Towers
OCEANSIDE PLAZA CONDO OCEANSIDE PLAZA CONDO
WATERWAY ISLES CONDO WATERWAY ISLES
CAPRI GARDENS CONDO Carpri Gardens
Mystic Pointe Mystic Pointe
PALMETTO SPRINGS CONDO VI PALMETTO SPRINGS CONDO
TURNBERRY ISLE SOUTH COND TURNBERRY ISLE SOUTH COND
REACH CONDO Reach Condo
GALLOWOOD CONDO GALLOWOOD
SAILBOAT CAY CONDO Sailboat Cay Condo
OPERA TOWER CONDO OPERA TOWER CONDO
OCEANA BAL HARBOUR CONDO OCEANA BAL HARBOR
CARAVELLE CONDO CARAVELLE CONDO
CORONADO CONDO- TOWER II coronado
Aria Reserve Miami Aria Reserve Miami
TREASURES ON THE BAY II C Treasures on the bay II
MAR DEL PLATA CONDO MAR DEL PLATA CONDO
THE GRANDVIEW CONDO THE GRANDVIEW CONDO
KENDALL LAKE TOWERS CONDO Kendall Lake Towers
BAYSHORE YACHT & TENNIS C BAYSHORE YACHT & TENNIS
ILONA CONDO ILONA CONDO
FONTAINEBLEAU III OCEAN C FONTAINEBLEAU III
ICON BRICKELL NO TWO Icon Brickell Two
FONTAINEBLEAU III OCEAN C FONTAINEBLEAU III
QUADRO CONDO
RISE CONDO Rise Brickell City Center
Mr C Residences 2678 TIGERTAIL CONDO
LE CARTIER CONDO LE CARTIER CONDO
TRUMP PALACE CONDO TRUMP PALACE CONDO
50 Biscayne 50 Biscayne Condo
ST TROPEZ ON THE BAY 1 CO ST TROPEZ ON THE BAY 1 CO
NORMANDY BEACH SOUTH 72 Carlyle
OPERA TOWER OPERA TOWER
1060 BRICKELL CONDO 1060 Brickell
THE AVENTURA BEACH CLUB C THE AVENTURA BEACH CLUB
CORONADO TO DORAL VI COND Coronado at Doral
The Ocean Club Club Tower Two
MEDITERRANEA CONDO Mediterranea
SANTONA CONDO SANTONA CONDO
DEL PRADO MARINA DEL PRADO
EDEN HOUSE CONDO EDEN HOUSE CONDO
VERONA AT DEERING BAY CON Verona at Deering Bay
ARTEPARK NORTH CONDO Artecity
LAGUNA GARDENS CONDO LAGUNA GARDENS CONDO
VILLA REGINA CONDO VILLA REGINA CONDO
OPERA TOWER CONDO OPERA TOWER CONDO
PARADISE POINTE CONDO PARADISE POINTE CONDO
ARIA RESERVE ARIA RESERVE
BAYSHORE YACHT & TENNIS C BAYSHORE YACHT & TENNIS C
OCEAN THREE CONDO OCEAN THREE CONDO
Aston Martin Residences Aston Martin Residences
JOCKEY CLUB CONDO UNIT II Jockey Club II
NEW WORLD CONDO APTS II NEW WORLD CONDO APTS II
VILLA DEL SOL CONDO VILLA DEL SOL
DEL PRADO MARINA Del Prado
LAGUNA CLUB EAST CONDO LAGUNA CLUB EAST CONDO
1300 S MIAMI AVENUE CONDO SLS BRICKELL
1 HOTEL and RESIDENCES 1 HOTEL and RESIDENCES
Mirasol Ocean Towers Mirasol Ocean Towers
WINSTON TOWERS 500 CONDO Winston Towers
SUNCREST TOWNHOUSE CONDO SUNCREST TOWNHOUSE
ADMIRALS PORT CONDO – WES Admirals Port
BRICKELL ON THE RIVER S T BRICKELL ON THE RIVER
THE DECOPLAGE CONDO The Decoplage Condominium
Ro-Mont South Ro-Mont South
WESTCHESTER TERRACE CONDO Terrace Condo
Icon Brickell Icon Brickell
REACH CONDO REACH
CASSA BRICKELL CONDO CASSA BRICKELL CONDO
GROVENOR HOUSE CONDO GROVENOR HOUSE
BRICKELL HEIGHTS WEST CON Brickell Heights West
BELLAVISTA ON THE RIVER C Bellavista on the River C
Gale Miami Gale Miami
PALM EAST GARDENS CONDO palm east gardens condo
POINT EAST SEC 4 CONDO POINT EAST CONDOMINIUM
THE HORIZONS WEST CONDO # THE HORIZON WEST CONDO
VALENCIA CONDO VALENCIA, A CONDOMINIUM
Aria on the Bay Aria on the Bay
THE FLORIDIAN CONDO The Floridian
ODA HOMES CONDO ODA HOMES CONDO
THREE HORIZONS EAST CONDO THREE HORIZONS EAST
SILVER PALMS AT DADELAND Silver Palms at Dadeland
ARLEN HOUSE WEST CONDO Arlen House West
FLAGLER FIRST CONDO FLAGLER FIRST CONDO
BAHIA MAR CONDO OF KEY BI BAHIA MAR CONDO
DOWNTOWN DORAL SOUTH PHAS Urbana
VENETIAN ISLE CONDO Venetian
801 SMA DESIGNER SUITES C SLS LUX BRICKELL
THE PRESIDENTIAL CONDO THE PRESIDENTIAL CONDO
THE GRANDE CONDO THE GRANDE CONDO
801 SMA DESIGNER SUITES C SLS LUX BRICKELL
1300 S MIAMI AVENUE CONDO DUA MIAMI
Ziggurat Coconut Grove Ziggurat Coconut Grove
Green Hills Park West No5
THE LOFT DOWNTOWN CONDO The Loft Downtown
LOS PALACIOS BY MIAMI LAK Los Palacios
PARC PLAZA CONDO Parc Plaza South Beach Co
ISOLA CONDO ISOLA CONDOMINIUM
IMPERIAL HOUSE CONDO Imperial House
SKYLINE ON BRICKELL CONDO SKYLINE ON BRICKELL
Ocean Place
Aria Reserve Miami Aria Reserve Miami
THE GRANDVIEW PALACE COND Grandview Palace
KNOLLWOOD CONDO KNOLLWOOD CONDO
MAP OF MIAMI DADE CO. FL. 227 NE 2ND STREET CONDO
VENETIA GARDENS SOUTH CON VENETIA GARDENS
TEN MUSEUM PK RESIDENTIAL TEN MUSEUM PARK
18975 COLLINS CONDO ARMANI CASA
CHATEAU BEACH CONDO CHATEAU BEACH
VIZCAYNE NORTH CONDO Vizcayne Condominium
GRAND BAY RESIDENCES COND Grand Bay Residences
Island Shores Condo
KEY BISCAYNE COMMODORE CL Commodore Club East
PARAISO BAYVIEWS CONDO Paraiso Bayview
8000 CONDO Seaside Village Condo
OCEAN TOWER TWO CONDO OCEAN TOWER TWO CONDO
OCEAN RESERVE CONDO OCEAN RESERVE
TRITON TOWER CONDO Triton Tower Condominium
Mr. C Residences
Quantum on the Bay Quantum on the Bay
MILLER GARDENS CONDO MILLER GARDENS CONDO
ARIA ON THE BAY CONDO Aria on the Bay
ONE BAL HARBOUR CONDO ONE BAL HARBOUR CONDO
GREYNOLDS PARK CLUB CONDO Greynolds Park Club
MAYFIELD CONDO
ICON CONDO Icon Condo
OCEAN RESERVE CONDO OCEAN RESERVE
THE TOWERS OF QUAYSIDE CO THE TOWERS OF QUAYSIDE CO
RISE CONDO RISE CONDO
Apex at Park Central Grand Bay South Villas
JADE WINDS GROUP BAMBOO G JADE WINDS
ISOLA CONDO Isola
VENETIAN PALMS CONDO VENETIAN PALMS CONDO
QUANTUM ON THE BAY CONDO QUANTUM ON THE BAY
BRICKELL KEY II CONDO Brickell Key II Condo
NIRVANA CONDO NO FIVE CON NIRVANA CONDO
COMMODORE CLUB WEST CONDO Commodore Club West
TEN MUSEUM PK RESIDENTIAL TEN MUSEUM
ONE PARAISO CONDO ONE PARAISO CONDO
VIZCAYNE NORTH CONDO VIZCAYNE NORTH
VENTURE AT AVENTURA WEST Venture at Aventura West
CONQUISTADOR PARK CONDO CONQUISTADOR PARK
MAP OF MIAMI DADE CO. FL. YOTELPAD
NIRVANA CONDO NO TWO COND NIRVANA CONDO C
BELLAMARE @ WILLIAMS ISLA BELLAMARE @ WILLIAMS ISLA
ISOLA CONDO ISOLA CONDO
VILLAS OF PINECREST CONDO villas of pinecrest
KENDALL ACRES WEST CONDO Kendall Acres West
PARAMOUNT MIAMI WORLDCENT Paramount Miami WorldCent
THE BONDO (1080 BRICKELL)
CORAL POINTE CONDO Coral Pointe Condo
19 Camino Circle
CREEK CLUB #3 CONDO Creek Club #3 Condo
CREEK CLUB # 3 CONDO Creek Club #3 Condo
5252 PASEO CONDO
New Worrld Condo Apts III NEW WORLD CONDO APTS III
Mr. C Residences Mr. C Residences
FONTAINBLEAU LAKES COURTY Fountainbleau Lakes Court
SHOMA CONDO AT KEYS COVE KEYS COVE
LAKE TOWER CONDO LAKE TOWER CONDO
THE FLORIDIAN CONDO THE FLORIDIAN CONDO
TURNBERRY OCEAN COLONY SO Turnberry Ocean Colony
5252 PASEO CONDO 5300 PASEO
COMMODORE PLAZA CONDO COMMODORE PLAZA CONDO
THE AVENTURA BEACH CLUB C Marco Polo Beach Resort
BAYSHORE TERRACE CONDO BAYSHORE TERRACE
TRUMP INTERNATIONAL SONES Trump International Beach
THE WAVERLY AT SOUTH BEAC THE WAVERLY AT SOUTH BEAC
THE DECOPLAGE CONDO The Decoplage Condominium
5252 PASEO CONDO 5300 PASEO
SHOMA CONDO AT KEYS COVE SHOMA CONDO AT KEYS COVE
THE MARK ON BRICKELL COND THE MARK ON BRICKELL

 

Thomas Martin

Sr. Mortgage Loan Advisor
NMLS: 156080

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