10/06/2026
🏢 NON-WARRANTABLE CONDOS ARE BECOMING MORE COMMON — BUT THAT DOESN’T MEAN THEY CAN’T BE FINANCED.
As conventional agency guidelines continue to tighten, more condo projects are falling into the non-warrantable category.
The good news? 🔥
At Miracle Lender, we have financing solutions for nearly every type of non-warrantable condo with as little as:
🏠 10% DOWN
Whether the issue is related to the HOA, commercial concentration, investor ownership, reserves, insurance requirements, or other project eligibility concerns, we have programs designed to finance condos that traditional lenders may turn away.
⚠️ What about major litigation?
If the association is involved in significant litigation where the potential financial exposure could exceed the protection provided by the HOA’s master insurance policy, 10% down may not be available.
But that still doesn’t necessarily kill the deal.
💥 We will still be able to finance the condo with 20% DOWN.
The takeaway?
NON-WARRANTABLE DOESN’T MEAN NON-FINANCEABLE.
Before walking away from a condo because another lender says the project doesn’t qualify, let us review it.
📲 Miracle Lender Inc.
Your condo doesn’t have to fit inside the traditional lending box.
Program availability and terms are subject to lender guidelines, property/project review, borrower qualification, and change without notice.
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