Flexible Solutions

Non-Warrantable Condo Loans for California Condo Buyers

Specialty condo financing options when a building or HOA does not meet standard warrantable condo guidelines.

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Who This Loan Is For

Buyers purchasing a condo with complex HOA or project details
Investors or owner-occupants considering a non-standard condo project
Borrowers whose previous lender declined the condo project
Buyers who need project-level review before making an offer

Benefits

Specialty review for condo projects outside agency guidelines
Options for owner-occupied or investor scenarios, when eligible
Guidance on HOA questionnaire and project review issues
Helpful second opinion before giving up on a condo purchase

Qualification Requirements

HOA budget, litigation, investor concentration, commercial space, insurance, and occupancy can matter
Borrower credit, down payment or equity, reserves, and occupancy are reviewed
Program availability depends heavily on the specific condo project

Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.

Common Scenarios

The HOA has litigation, insurance, budget, or project review concerns
The condo project has high investor concentration or commercial space
A previous lender approved the borrower but declined the condo project

Questions

Non-Warrantable Condo Loans FAQ

What makes a condo non-warrantable?

A condo may be considered non-warrantable when the project does not meet standard agency requirements. Common issues include HOA litigation, budget concerns, investor concentration, insurance, commercial space, or other project-level factors.

Can a non-warrantable condo still be financed?

Possibly. Specialty condo or Non-QM programs may be available depending on the condo project, borrower profile, occupancy, down payment, and lender guidelines.

Should I review the condo project before making an offer?

Yes. Condo project review can affect financing approval, so early review of the HOA questionnaire and project details can reduce surprises during escrow.