Loan Program
Condo Financing in California
Condominiums have their own financing guidelines. We help organize condo scenarios — including warrantable and non‑warrantable situations — for review.
Financing a condo involves reviewing both you as the borrower and the condo project itself (HOA, budget, occupancy mix, and more). Projects are often classified as 'warrantable' or 'non‑warrantable,' which affects available programs.
If a condo has been difficult to finance elsewhere, there may still be a path. We help organize the details for a licensed professional to review.
Who it's for
- Buyers purchasing a California condominium
- Owners refinancing a condo
- Borrowers facing non‑warrantable condo challenges
What's typically reviewed
- Borrower credit, income, and down payment
- Condo project status (warrantable vs. non‑warrantable)
- HOA and project details
- Occupancy and property type
Why borrowers choose it
- Guidance on warrantable and non‑warrantable condos
- Conventional, government, and Non‑QM options where eligible
- A second look when a condo was declined elsewhere
FAQ
Condo Financing — common questions
What is a non‑warrantable condo?
A non‑warrantable condo is a project that doesn't meet standard agency guidelines (due to occupancy mix, litigation, budget, or other factors). Specialized programs may still finance it, subject to review.
Why was my condo loan denied?
Condo denials often relate to the project rather than the borrower. A licensed professional can review the project details and possible options.
Are condo loans different from house loans?
Yes — condo financing adds a review of the project and HOA in addition to the borrower, which can affect the program and terms.
Explore other California loan programs
Jumbo Loans
Financing above conforming limits for California's higher‑value homes.
Learn moreHigh‑Balance Conforming
Above the baseline limit but within your county's high‑cost ceiling.
Learn moreFHA Loans
Government‑backed financing with flexible qualifying and a low down payment.
Learn moreVA Loans
$0‑down options and no monthly mortgage insurance for eligible veterans.
Learn moreDSCR Investor Loans
Qualify an investment property using rental cash flow — not personal income.
Learn moreBank Statement Loans
Use bank deposits to document income — built for self‑employed borrowers.
Learn moreSelf‑Employed Mortgage
Bank statement, 1099, P&L, and Non‑QM paths for complex income.
Learn moreConventional Loans
A common path for primary homes, second homes, and investment properties.
Learn moreCash‑Out Refinance
Access home equity for renovations, investing, or consolidation.
Learn moreNon‑QM Loans
Flexible programs for unique income, credit, or property scenarios.
Learn moreSecond Home Financing
Vacation and second‑home options across California.
Learn moreSee Which Program Fits Your Scenario
Start with your situation — a few simple questions, then a licensed mortgage professional can review the right path.
This information is for educational purposes only and is not a loan approval, loan commitment, or rate quote. Program availability, terms, and eligibility are subject to review and approval by a licensed mortgage professional.