Independent brokerage since 20074.5★ on GoogleLicensed in RI, MA, PA, FL & ALA network of specialty lenders, one application
Rhode Island's coast is full of exactly the condos conventional lenders walk away from — resort and seasonal buildings in Narragansett, Newport, Westerly and along the South Coast, where high rental ratios, condotel features or commercial space make a project “non-warrantable.” That's a building problem, not a you problem, and we solve it.
As a South County brokerage, we know these waterfront associations and the specialty lenders who underwrite them every day — for primary, second-home and investment buyers alike.
Who it’s for
Coastal & resort condos
Narragansett, Newport and Westerly buildings agencies reject.
Investor-heavy associations
High rental ratios that fail Fannie/Freddie warrantability.
Condotel features
Short-term-rental and resort amenities we can still finance.
Program at a glance
Best for
Rhode Island condo buyers told a project is non-warrantable
Occupancy
Primary, second home and investment
Common in
Narragansett, Newport, Westerly & the South Coast
Why it happens
Rental ratios, litigation, reserves, condotel features, commercial space
Property types
Condominiums and condotels
Licensed in
Rhode Island (and MA, PA, FL & AL)
How working with us works
1
Tell us your scenario
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
2
We shop the right lenders
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
3
Pre-qualify with a plan
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
4
Close with confidence
We manage underwriting to the finish line and hand you off to a smooth closing day.
Common questions
Why are so many Rhode Island beach condos non-warrantable?
Coastal and resort buildings often have high investor/rental ratios, short-term-rental (condotel) features or commercial space — all of which can fail agency warrantability rules even when you're well qualified.
Can I finance a Newport or Narragansett condo a bank declined?
Often yes. Send us the building and HOA details and we'll review the project before you give up on it.
Can I use it as a second home or rental?
Yes — we finance non-warrantable condos for primary, second-home and investment use.
Do you lend on condotels?
Many of our specialty lenders do. We'll match the building to a program that fits.
4.5★★★★★ Rated on Google · independent brokerage since 2007
“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.”
