Condo Loans
Warrantable and non-warrantable condo financing with flexible guidelines — we know the nuances of condo lending.
Overview
Buying a condominium comes with unique lending requirements that don't apply to single-family homes. The condo complex itself must meet specific standards — occupancy ratios, reserve funding, litigation status, and HOA financial health. Airus Lending works with lenders who understand condo lending, including programs for non-warrantable condos that most banks won't finance.
Who Is This For?
- Buyers purchasing a warrantable or non-warrantable condo
- First-time buyers looking for an affordable entry point
- Investors purchasing a condo as a rental property
- Buyers whose desired condo has been turned down by other lenders
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Verify Condo Eligibility
We check whether the project is warrantable and approved.
Get Pre-Approved
Know your budget and program options.
Make an Offer & Close
Your advisor manages financing through closing.
Frequently Asked Questions
A warrantable condo meets Fannie Mae/Freddie Mac guidelines for occupancy ratios, reserve funding, HOA financial health, and litigation status. Non-warrantable condos fail one or more of these tests.