Florida Non Warrantable Condo Mortgage Lenders
Yes, we offer non-warrantable condo loans that don’t require a condo questionnaire, budget, or windstorm insurance. Florida Condo questionnaire, condo budget, and windstorm insurance problems are common with non-warrantable Florida condominiums. When a Florida condo questionnaire is required, problems often arise from incomplete, inaccurate, or unclear information provided by the condo association responsible for completing the form. An incomplete or inaccurate condo questionnaire or budget can delay, derail, or risk your condo closing and/or approval process. For many non-warrantable Florida condo mortgage lenders, the key issues include financial concerns, including insufficient reserves or high delinquency rates, and litigation. We do not have these problems because we DO NOT require a condo questionnaire, no budget, no master windstorm coverage, which leads to most Florida condo denials.
No Tax Return Non Warrantable Florida Condo Mortgage Lenders
Florida Non-Warrantable Condo Issues We Overcame Include:
Why Are So Many Florida Condos Non-Warrantable?
Many Florida condominiums face mortgage financing challenges because of inadequate insurance, structural repairs, insufficient reserves, association financial problems, or litigation. These issues can make a condominium non-warrantable and limit its eligibility for conventional mortgage financing.
A non-warrantable designation generally concerns the condominium project, even when the individual unit is in excellent condition and the borrower has strong credit.
There is no reliable statewide evidence establishing that most Florida condos are non-warrantable. However, buyers and owners should understand the issues that can prevent a Florida condominium from qualifying for a particular mortgage program.
What Is a Non-Warrantable Condo in Florida?
A non-warrantable condo is a condominium in a project that does not meet the applicable eligibility requirements for financing through Fannie Mae or Freddie Mac.
Lenders evaluate the association, buildings, insurance, finances, ownership arrangements, and legal documents. Eligibility can vary by agency, review method, transaction, and lender.
Fannie Mae identifies insufficient master property insurance and critical repair issues as its leading reasons for project ineligibility.
Reasons Florida Condos Can Be Non-Warrantable
1. Structural Problems and Critical Repairs
Building conditions that can prevent approval include:
- Concrete deterioration, unsafe balconies, or foundation damage.
- Serious parking garage, seawall, or load-bearing structural problems.
- Significant water intrusion, mold, or damaging leaks.
- Unsafe electrical, elevator, or building systems.
- Significant deferred maintenance.
- Failed mandatory safety inspections.
- Outstanding evacuation orders.
- Certain unfunded near-term repairs.
- Unfinished critical repairs, even after an assessment is approved.
Routine maintenance is treated differently from critical repairs.
2. Inadequate Condominium Insurance
Insurance deficiencies can include:
- Missing, expired, or canceled master coverage.
- Insufficient building replacement-cost limits.
- Missing required windstorm or other peril coverage.
- Excessive deductibles.
- Unacceptable claim-settlement provisions.
- Missing required endorsements or equipment coverage.
- Shared policies that inadequately protect the project.
Florida condo insurance costs can create budget pressure, but a high premium alone does not establish non-warrantability. The policy must satisfy the applicable financing requirements.
Under current Fannie Mae rules, roofs must be insured but do not have to carry replacement-cost settlement coverage.
3. Insufficient Reserves and Association Budget Problems
Financial issues that can prevent approval under an applicable review include:
- An inadequate operating budget.
- Insufficient annual replacement-reserve allocations.
- Failure to meet a permitted reserve-study alternative.
- Inadequate funding for shared utilities.
- Excessive delinquency on regular dues.
- Excessive delinquency on special assessments.
Under Fannie Mae Full Review, the standard annual reserve allocation is generally 10% of budgeted assessment income, subject to specified adjustments or a qualifying reserve-study alternative.
That review also generally permits no more than 15% of units to be at least 60 days delinquent on regular assessments or on each special assessment.
4. Florida Milestone Inspection and SIRS Compliance Problems
Florida inspection and reserve requirements can expose issues that affect mortgage eligibility, including:
- Overdue required milestone inspections.
- Unresolved deficiencies identified by an inspection.
- Missing required Structural Integrity Reserve Studies, or SIRS.
- Failure to follow applicable statutory reserve-funding requirements.
Milestone inspections generally apply to residential condominium buildings with three or more habitable stories, beginning at 30 years—or 25 years when required locally. SIRS requirements also generally apply to buildings with three or more habitable stories.
A milestone inspection or SIRS requirement does not automatically make a Florida condo non-warrantable. The findings, compliance status, repairs, and funding matter.
5. Litigation, Ownership, and Commercial Operations
Other potential disqualifiers include:
- Material litigation or qualifying pre-litigation proceedings.
- Construction-defect disputes.
- Excessive ownership by one person or related entity.
- Hotel, condotel, or primarily transient operations.
- Mandatory rental pools or rental-income sharing.
- Restrictions on owners’ occupancy.
- Timeshare or fractional ownership.
- Excessive commercial space.
- Substantial HOA-operated businesses.
- Prohibited recreational leases or third-party memberships.
- Unacceptable title or split-ownership arrangements.
- Continuing-care operations.
- Noncompliant live-work projects.
- Excessive developer incentives.
- Impermissible lien priority.
- Termination or insolvency proceedings.
Exceptions and detailed definitions apply to several of these categories.
6. Missing Documents and Other Project Review Obstacles
A lender may be unable to approve financing because of:
- Missing association budgets or financial information.
- Incomplete insurance records.
- Unavailable inspection or repair documentation.
- Incomplete project questionnaires.
- Unacceptable common-amenity ownership arrangements.
- Unresolved environmental concerns.
- Inadequate condominium conversion documentation.
- An applicable agency ineligible status.
- Project restrictions affecting the proposed occupancy or loan amount.
An incomplete review is different from confirmed non-warrantability, although both can delay or prevent financing.
Do Special Assessments Make Florida Condos Non-Warrantable?
A special assessment does not automatically make a condo non-warrantable.
Lenders examine its purpose, funding, collection status, and related repairs. An assessment for routine improvements may be acceptable. An assessment funding unresolved critical structural repairs presents a different issue.
Approving an assessment or obtaining an association loan does not, by itself, resolve an outstanding building safety problem.
Does an HOA Lawsuit Prevent Condo Financing?
Not every lawsuit prevents financing.
Certain minor disputes, assessment-collection actions, insured claims, or efforts to recover costs for completed repairs may qualify for exceptions. Litigation involving structural defects, habitability, or material financial exposure requires closer review.
Can You Finance a Non-Warrantable Condo in Florida?
Financing may still be possible, depending on the specific reason for ineligibility.
The first step is to obtain the lender’s exact project-review finding. Some projects may qualify through another permitted review pathway or an available exception. Freddie Mac provides certain project-waiver options for established condominium projects.
An exception is not guaranteed, and resolving documentation or financial issues may be necessary before financing can proceed.
What Should You Request Before Applying?
Ask the association or property manager for:
- The current budget and reserve information.
- Master insurance policies and supporting coverage documents.
- Milestone inspection and SIRS reports, when applicable.
- Engineering reports and repair-completion records.
- Current and planned special-assessment details.
- Litigation information.
- Ownership and rental information.
- The completed lender condominium questionnaire.
These records help the lender identify the actual obstacle and determine what is needed for review.
Request a Florida Condo Financing Review
Buying or refinancing a condominium in Florida? Start by identifying whether the financing concern involves insurance, repairs, reserves, litigation, or missing association documents.
Request a condo financing review to find out which project requirements apply and what information is needed to evaluate your loan options.
Mortgage approval depends on borrower qualifications, condominium project eligibility, applicable program requirements, and lender underwriting.
Non-Warrantable Florida Condo Borrower Qualification Requirements
- Loan Process:
- Standard wholesale process:
- The borrower has to have worked and lived in the USA for a minimum of 12 months
- Eligible Income Types
- Retirement- / Fixed income
- W2- WVOE only
- Self-employed: min. 12 mth history, 1-year tax return, P&L only, 1099 only
- RENT VERIFICATION NEEDED: Last 6 months’ rent verification
- Borrower with gift funds
- If funds are 100% borrowers, we do not require rent verification
- Borrower with gift funds
- Minimum / Maximum Loan Amounts
- Minimum: $50,000.00
- Max: $1,250,000.00
- Max LTV’s are reduced to a minimum and maximum
- Max DTI:
- 60%: 660 and + TU score
- To determine what the max allowable DTI will be on the loan, we use the primary wage earner’s Trans Union score and time on the job
- 43%- Don’t meet any of the below compensating factors
- 50%- If you meet one of the following
- 60%- If you meet two of the following
- Compensating Factors
- 660+ Score (we only use Trans Union)
- 3+ years on current job
- 3 months reserves PITIA (liquid funds only)
- Compensating Factors
- To determine what the max allowable DTI will be on the loan, we use the primary wage earner’s Trans Union score and time on the job
- 60%: 660 and + TU score
-
- 55%: 600-659
- To determine what the max allowable DTI will be on the loan, we use the primary wage earner’s Trans Union score and time on the job
- 43%- Don’t meet any of the below compensating factors
- 50%- If you meet one of the following
- 55%- If you meet two of the following
- Compensating Factors
- 660+ Score (we only use Trans Union)
- 3+ years on current job
- 3 months reserves PITIA (liquid funds only)
- Compensating Factors
- To determine what the max allowable DTI will be on the loan, we use the primary wage earner’s Trans Union score and time on the job
- 55%: 600-659
- No reserve requirements
- NO CREDIT SCORE REQUIREMENTS:
- Borrower must have:
- 75% LTV:
- 50% of the funds have to come from the borrower
- The other 50% can be a gift from a relative
- 6 months’ rent verification
- 50% of the funds have to come from the borrower
- 80% LTV:
- 100% of the funds have to be from the borrower
- No rent verification required
- 75% LTV:
- Borrower must have:
Florida Non-Warrantable Condo Mortgage Lenders
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| Alford | Jackson County |
| Altamonte Springs | Seminole County |
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| Esto | Holmes County |
| Eustis | Lake County |
| Everglades City | Collier County |
| Fanning Springs* | Gilchrist County |
| Fanning Springs* | Levy County |
| Fellsmere | Indian River County |
| Fernandina Beach | Nassau County |
| Flagler Beach | Flagler County |
| Florida Condo City | Miami-Dade County |
| Fort Lauderdale | Broward County |
| Fort Meade | Polk County |
| Fort Myers Beach | Lee County |
| Fort Myers | Lee County |
| Fort Pierce | St. Lucie County |
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| Fort White | Columbia County |
| Freeport | Walton County |
| Frostproof | Polk County |
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| Glen Saint Mary | Baker County |
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| Golf | Palm Beach County |
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| Graceville | Jackson County |
| Grand Ridge | Jackson County |
| Green Cove Springs | Clay County |
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| Greensboro | Gadsden County |
| Greenvilee | Madison County |
| Greenwood | Jackson County |
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| Groveland | Lake County |
| Gulf Breeze | Santa Rosa County |
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| Gulfport | Pinellas County |
| Haines City | Polk County |
| Hallandale | Broward County |
| Hampton Beach | Bradford County |
| Hastings | St. Johns County |
| Havana | Gadsden County |
| Haverhill | Palm Beach County |
| Hawthorne | Alachua County |
| Hialeah | Miami-Dade County |
| Hialeah Gardens | Miami-Dade County |
| High Springs | Alachua County |
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| Hillcrest Heights | Polk County |
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| Hillsboro Beach | Broward County |
| Holly Hill | Volusia County |
| Hollywood | Broward County |
| Holmes Beach | Manatee County |
| Homestead | Miami-Dade County |
| Horseshoe Beach | Dixie County |
| Howey-in-the-Hills | Lake County |
| Hupoluxo | Palm Beach County |
| Indialantic | Brevard County |
| Indian Creek | Miami-Dade County |
| Indian Harbour Beach | Brevard County |
| Indian River Shores | Indian River County |
| Indian Rocks Beach | Pinellas County |
| Indian Shores | Pinellas County |
| Inglis | Levy County |
| Interlachen | Putnam County |
| Inverness | Citrus County |
| Islamorada | Monroe County |
| Islandia | Miami-Dade County |
| Jacksonville Beach | Duval County |
| Jacksonville | Duval County |
| Jacob | Jackson County |
| Jasper | Hamilton County |
| Jay | Santa Rosa County |
| Jennings | Hamilton County |
| Juno Beach | Palm Beach County |
| Jupiter | Palm Beach County |
| Jupiter Inlet Colony | Palm Beach County |
| Jupiter Island | Martin County |
| Kenneth City | Pinellas County |
| Key Biscayne | Miami-Dade County |
| Key Colony Beach | Monroe County |
| Key West | Monroe County |
| Keystone Heights | Clay County |
| Kissimmee | Osceola County |
| La Crosse | Alachua County |
| LaBelle | Hendry County |
| Lady Lake | Lake County |
| Lake Alfred | Polk County |
| Lake Buena Vista | Orange County |
| Lake Butler | Union County |
| Lake City | Columbia County |
| Lake Clarke Shores | Palm Beach County |
| Lake Hamilton | Polk County |
| Lake Helen | Volusia County |
| Lake Mary | Seminole County |
| Lake Park | Palm Beach County |
| Lake Placid | Highlands County |
| Lake Wales | Polk County |
| Lake Worth | Palm Beach County |
| Lakeland | Polk County |
| Lantana | Palm Beach County |
| Largo | Pinellas County |
| Lauderdale Lakes | Broward County |
| Lauderdale-by-the-Sea | Broward County |
| Lauderhill | Broward County |
| Laurel Hill | Okaloosa County |
| Lawtey | Bradford County |
| Layton | Monroe County |
| Lazy Lake | Broward County |
| Lee | Madison County |
| Leesburg | Lake County |
| Lighthouse Point | Broward County |
| Live Oak | Suwannee County |
| Longboat Key* | Sarasota County |
| Longboat Key* | Manatee County |
| Longwood | Seminole County |
| Lynn Haven | Bay County |
| Macclenny | Baker County |
| Madeira Beach | Pinellas County |
| Madison | Madison County |
| Maitland | Orange County |
| Malabar | Brevard County |
| Malone | Jackson County |
| Manalapan | Palm Beach County |
| Mangonia Park | Palm Beach County |
| Marathon | Monroe County |
| Marco Island | Collier County |
| Margate | Broward County |
| Marianna | Jackson County |
| Marineland* | St. Johns County |
| Marineland* | Flagler County |
| Mary Esther | Okaloosa County |
| Mascotte | Lake County |
| Mayo | Lafayette County |
| McIntosh | Marion County |
| Medley | Miami-Dade County |
| Melbourne | Brevard County |
| Melbourne Beach | Brevard County |
| Melbourne Village | Brevard County |
| Mexico Beach | Bay County |
| Miami Beach | Miami-Dade County |
| Miami Gardens | Miami-Dade County |
| Miami Lakes | Miami-Dade County |
| Miami Shores Village | Miami-Dade County |
| Miami Springs | Miami-Dade County |
| Miami Florida Condo | Miami-Dade County |
| Micanopy | Alachua County |
| Midway | Gadsden County |
| Milton | Santa Rosa County |
| Minneola | Lake County |
| Miramar | Broward County |
| Monticello | Jefferson County |
| Montverde | Lake County |
| Moore Haven | Glades County |
| Mount Dora | Lake County |
| Mulberry | Polk County |
| Naples | Collier County |
| Neptune Beach | Duval County |
| New Port Richey | Pasco County |
| New Smyrna Beach | Volusia County |
| Newberry | Alachua County |
| Niceville | Okaloosa County |
| Noma | Holmes County |
| North Bay Village | Miami-Dade County |
| North Lauderdale | Broward County |
| North Miami | Miami-Dade County |
| North Miami Beach | Miami-Dade County |
| North Palm Beach | Palm Beach County |
| North Port | Sarasota County |
| North Redington Beach | Pinellas County |
| Oak Hill | Volusia County |
| Oakland | Orange County |
| Oakland Park | Broward County |
| Ocala | Marion County |
| Ocean Breeze Park | Martin County |
| Ocean Ridge | Palm Beach County |
| Ocoee | Orange County |
| Okeechobee | Okeechobee County |
| Oldsmar | Pinellas County |
| Opa-locka | Miami-Dade County |
| Orange City | Volusia County |
| Orange Park | Clay County |
| Orchid | Indian River County |
| Orlando | Orange County |
| Ormond Beach | Volusia County |
| Otter Creek | Levy County |
| Oviedo | Seminole County |
| Pahokee | Palm Beach County |
| Palatka | Putnam County |
| Palm Bay | Brevard County |
| Palm Beach | Palm Beach County |
| Palm Beach Shores | Palm Beach County |
| Palm Beach Gardens | Palm Beach County |
| Palm Coast | Flagler County |
| Palm Shores | Brevard County |
| Palm Springs | Palm Beach County |
| Palmetto | Manatee County |
| Palm Harbor | Pinellas County |
| Palmetto Bay | Miami-Dade County |
| Panama City | Bay County |
| Panama City Beach | Bay County |
| Parker | Bay County |
| Parkland | Broward County |
| Paxton | Walton County |
| Pembroke Park | Broward County |
| Pembroke Pines | Broward County |
| Penney Farms | Clay County |
| Pensacola | Escambia County |
| Perry | Taylor County |
| Pierson | Volusia County |
| Pine Crest | Miami-Dade County |
| Pinellas Park | Pinellas County |
| Plant City | Hillsborough County |
| Plantation | Broward County |
| Polk City | Polk County |
| Pomona Park | Putnam County |
| Pompano Beach | Broward County |
| Ponce De Leon | Holmes County |
| Ponce Inlet | Volusia County |
| Port Ornage | Volusia County |
| Port Richey | Pasco County |
| Port St. Lucie | St. Lucie County |
| Port St. Joe | Gulf County |
| Punta Gorda | Charlotte County |
| Quincy | Gadsden County |
| Raiford | Union County |
| Reddick | Marion County |
| Redington Beach | Pinellas County |
| Redington Shores | Pinellas County |
| Riviera Beach | Palm Beach County |
| Rockledge | Brevard County |
| Royal Palm Beach | Palm Beach County |
| Safety Harbor | Pinellas County |
| Saint Leo | Pasco County |
| San Antonio | Pasco County |
| Sanford | Seminole County |
| Sanibel | Lee County |
| Sarasota | Sarasota County |
| Satellite Beach | Brevard County |
| Sea Ranch Lakes | Broward County |
| Sebastian | Indian River County |
| Seabring | Highlands County |
| Seminole | Pinellas County |
| Sewall’s Point | Martin County |
| Shalimar | Okaloosa County |
| Sneads | Jackson County |
| Sopchoppy | Wakulla County |
| South Bay | Palm Beach County |
| South Daytona | Volusia County |
| Sounty Miami | Miami-Dade County |
| South Palm Beach | Palm Beach County |
| South Pasadena | Pinellas County |
| Southwest Ranches | Bay County |
| Springfield | Bay County |
| St. Augustine Beach | St. Johns County |
| St. Augustine | St. Johns County |
| St. Cloud | Osceola County |
| St. Lucie Village | St. Lucie County |
| St. Marks | Wakulla County |
| St. Pete Beach | Pinellas County |
| St. Petersburg | Pinellas County |
| Starke | Bradford County |
| Stuart | Martin County |
| Sun City Center | Hillsborough County |
| Sunny Hills | Washington County |
| Sunny Isles Beach | Miami-Dade County |
| Sunrise | Broward County |
| Surfside | Miami-Dade County |
| Sweetwater | Miami-Dade County |
| Tallahassee | Leon County |
| Tamarac | Broward County |
| Tampa | Hillsborough County |
| Tarpon Springs | Pinellas County |
| Tavares | Lake County |
| Temple Terrace | Hillsborough County |
| Tequesta | Palm Beach County |
| Titusville | Brevard County |
| Treasure Island | Pinellas County |
| Trenton | Gilchrist County |
| Umatilla | Lake County |
| Valpariso | Okaloosa County |
| Venice | Sarasota County |
| Vernon | Washington County |
| Vero Beach | Indian River County |
| Virginia Gardens | Miami-Dade County |
| Waldo | Alachua County |
| Wauchula | Hardee County |
| Wausau | Washington County |
| Webster | Sumter County |
| Weeki Wachee | Hernando County |
| Welaka | Putnam County |
| Wellington | Palm Beach County |
| West Melbourne | Brevard County |
| West Miami | Miami-Dade County |
| West Palm Beach | Palm Beach County |
| Weston | Broward County |
| Westville | Holmes County |
| Wewahitchka | Gulf County |
| White Springs | Hamilton County |
| Wildwood | Sumter County |
| Williston | Levy County |
| Wilton Manors | Broward County |
| Windermere | Orange County |
| Winter Garden | Orange County |
| Winter Haven | Polk County |
| Winter Park | Orange County |
| Winter Springs | Seminole County |
| Worthington Springs | Union County |
| Yankeetown | Levy County |
| Youngstown | Bay County |
| Zephyrhills | Pasco County |
| Zolfo Springs | Hardee County |
