Non-Warrantable Condo Loans

Finance Condos Other Banks Won’t

Finding financing for a non-warrantable condominium doesn’t have to be difficult. At Nations Trust Mortgage, we specialize in Non-Warrantable Condo Loans designed for buyers, investors, and homeowners who don’t qualify for traditional Fannie Mae or Freddie Mac financing.

Whether you’re purchasing a luxury high-rise, condo hotel, newly constructed condominium, mixed-use development, or an investment property, our flexible Non-QM lending solutions make financing possible when conventional lenders say no.

What Is a Non-Warrantable Condo?

A non-warrantable condo is a condominium that does not meet conventional agency guidelines established by Fannie Mae or Freddie Mac. This doesn’t necessarily mean the property is a bad investment, it simply means it falls outside traditional lending requirements.

Common examples include:

• Condo-Hotels
• Projects with high investor ownership
• New construction condominiums
• Non-owner occupied developments
• Mixed-Use buildings
• Projects with commercial space exceeding agency limits
• Condominiums involved in litigation
• Developments with limited reserves or financial documentation
• Communities with restrictive HOA requirements

Our experienced mortgage specialists understand these unique property types and have financing solutions built specifically for them.

Benefits of Our Non-Warrantable Condo Loans

• Financing available for primary residences, second homes, and investment properties
• Loan amounts up to several million dollars
• Competitive fixed and adjustable-rate options
• Flexible income documentation programs
• Bank Statement Loans available
• DSCR Loans for real estate investors
• Foreign National financing available
• LLC ownership permitted on many programs
• Fast underwriting and quick closings
• Available throughout Florida and many other states

Flexible Income Documentation

We understand that many successful borrowers don’t fit traditional underwriting guidelines. That’s why we offer multiple documentation options, including:

• Bank Statement Loans
• DSCR Loans
• P&L Only Loans
• 1099 Income Loans
• Asset Utilization Loans
• Full Documentation Conventional Income
• Foreign National Programs

Benefits of Choosing Nations Trust Mortgage

Our team specializes in Non-QM lending and has extensive experience financing difficult condominium projects that many banks decline. We work with multiple wholesale lenders and private investors to provide customized financing solutions tailored to your unique situation.

Whether you’re buying a beachfront condo in South Florida, refinancing an investment property, or financing a luxury condominium in a non-warrantable project, we can help you secure the financing you need.

When you work with us, you’ll receive:

• Expert guidance from experienced Non-QM specialists
• Fast pre-qualification
• Personalized loan options
• Competitive rates
• Responsive communication
• A streamlined mortgage process from application to closing

Our goal is to help you get approved quickly with the financing solution that best fits your financial profile.