Found the perfect condo, only to hear it's “non-warrantable” and watch a lender walk away? Don't give up on it — financing non-warrantable condos is one of our specialties.
When a condo doesn't meet Fannie Mae or Freddie Mac “warrantability” rules, most conventional lenders simply decline the loan — even when the buyer is well qualified. A condo is usually deemed non-warrantable for reasons that have nothing to do with you: it's the building, not the borrower.
As a brokerage, we work with specialty lenders who underwrite non-warrantable condos every day — for primary residences, second homes, and investment properties alike.
A high share of rented or investor-owned units makes a condo non-warrantable — we finance them anyway.
Resort-style and rental-friendly condos that agency guidelines reject.
HOAs in litigation, or with light reserves, don't have to kill your loan.
One owner controlling many units, or heavy commercial space in the building.
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
We manage underwriting to the finish line and hand you off to a smooth closing day.
It fails one or more Fannie Mae/Freddie Mac project rules: too many rentals or investor-owned units, HOA litigation, low reserves, condotel or short-term-rental features, heavy commercial space, or one entity owning many units.
Often a conventional lender tells you after the fact. Send us the address and HOA details and we'll review the project up front so there are no surprises.
Yes. We work with specialty lenders who underwrite non-warrantable condos for primary, second-home and investment use.
Terms depend on the program, the building and your profile. We'll lay out the options across our lender network before you decide.
“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”
— Joe H., real estate agent“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”
— Heather S.“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”
— Vanessa S.Tell us your scenario and a licensed loan officer — not a call center — will follow up, usually the same day. No credit pull to start.
All loans are subject to credit approval and program guidelines; availability varies by program.
Start a secure application online, or call our Wakefield office — a licensed loan originator answers, not a call center.