{"id":138,"date":"2017-07-23T21:32:28","date_gmt":"2017-07-23T21:32:28","guid":{"rendered":"http:\/\/www.loanshoppers.net\/blog\/?p=138"},"modified":"2023-09-10T17:08:41","modified_gmt":"2023-09-10T17:08:41","slug":"get-mortgage-financing-condos","status":"publish","type":"post","link":"https:\/\/www.loanshoppers.net\/blog\/get-mortgage-financing-condos\/","title":{"rendered":"How to Get Mortgage Financing for Condos"},"content":{"rendered":"<div class=\"79adbeefd79cda5f8232b2625609aaff\" data-index=\"1\" style=\"float: right; margin:7px 0 7px 7px;\">\n<script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<!-- Loanshoppers - blog post -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:inline-block;width:300px;height:250px\"\r\n     data-ad-client=\"ca-pub-0086590260230556\"\r\n     data-ad-slot=\"3710447994\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\n<\/div>\n<p>If you are in the market to buy a home but don&#8217;t want the hassles of maintaining the exterior and don&#8217;t mind a community setting, owning a condo is a great option to achieve that goal. The process of buying a detached home is very similar to buying a condo with a few more steps involved to qualify for a mortgage.<\/p>\n<p>Moreover, the community may offer a community gym, pool, a sport court, conference rooms, and other amenities that you may not have with a home in you price range.<\/p>\n<p>When you are purchasing and <a href=\"http:\/\/www.loanshoppers.net\/loan-programs\/condos\/\">financing a condo<\/a>, another set of guidelines is added by most lenders which could make your interest rate higher than if you were buying a detached home. Not only does the borrower have to qualify but the condo association needs to qualify as well. <a href=\"http:\/\/www.loanshoppers.net\/blog\/wp-content\/uploads\/2017\/07\/interior-kitchen-condo.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-145\" src=\"http:\/\/www.loanshoppers.net\/blog\/wp-content\/uploads\/2017\/07\/interior-kitchen-condo-300x200.jpg\" alt=\"Kitchen interior of high-rise condo\" width=\"300\" height=\"200\" \/><\/a><\/p>\n<p>An experienced mortgage lender or mortgage originator who has closed numerous condo loans will know what to do along with guiding you to a successful closing.<\/p>\n<p>One item you can expect the lender to examine is the financial soundness and communal areas of the condo development when you are under contract to purchase.<\/p>\n<p><strong>Makes Sure You Know The HOA Rules<\/strong><\/p>\n<p>In general, you&#8217;ll have rules or CC&amp;R&#8217;s that mimic apartment buildings such as:<br \/>\nPet policy<br \/>\nTrash disposal.<br \/>\nVehicle types allowed in parking lots and garages.<br \/>\nUse of private balconies.<br \/>\nInterior modifications and structural changes.<br \/>\nExterior alterations and seasonal arrangements.<br \/>\nGuest &amp; visitor policy<br \/>\nLeasing of your unit to prospective tenants.<br \/>\nHours you may make repairs.<br \/>\nUse of Common area and conduct.<br \/>\nEnforcement and penalties for rule violations.<\/p>\n<p>If all of this acceptable, you will then continue with you qualifying for a mortgage.<\/p>\n<p><strong>Conforming Mortgage Guidelines for Condos<\/strong><\/p>\n<p>The majority of people buying a home or condo apply for a &#8220;conforming&#8221; mortgage. A conforming mortgage is a loan that meets Fannie Mae or Freddie Mac standards.\u00a0 In many counties of California, like Los Angeles, Orange, and Ventura county the maximum conforming limit for 1-unit residence is $636,150.\u00a0 So, with a 3-percent down program, your down payment is just $19,000 and change plus closing costs.<\/p>\n<p>An additional limit of Fannie Mae and Freddie Mac is the rule of only financing condominiums that are considered &#8220;warrantable&#8221;.<\/p>\n<p>For the most part, a condominium is regarded as warrantable if:<\/p>\n<ul>\n<li>A minimum of 51% of the units are owner-occupied<\/li>\n<li>Less than 15% of the units are delinquent with their association (HOA) dues<\/li>\n<li>No single entity owns greater than 10% of the project&#8217;s units, including the builder<\/li>\n<li>The homeowners association (HOA) is not in litigation<\/li>\n<li>Commercial space represents 25 percent or less of the gross building square footage<\/li>\n<\/ul>\n<p>On the other hand, condo projects that don&#8217;t meet one or all of Fannie and Freddie&#8217;s warrantable requirements are classified as non-warrantable.<\/p>\n<p>The fact of the matter is non-warrantable condos are more difficult to obtain a mortgage. Rates tend to be higher by 1 to 2 percent of your standard warrantable condo mortgage rates.<\/p>\n<p>Common non-warrantable properties include condotels, time shares, fractional ownership properties, and other projects.\u00a0 When buying a condo, ask your real estate agent or lender about the building&#8217;s warrantability before you go any further.<\/p>\n<p>Mortgage rates will be lower on a warrantable condo than a non-warrantable condo. The reason is the risk for default is lower on warrantable condos for the lender.<\/p>\n<p><strong>FHA and VA Mortgage Rules For Condos<\/strong><\/p>\n<p>Backed by the U.S. government are the forever popular <a href=\"http:\/\/www.loanshoppers.net\/loan-programs\/fha\/\">FHA<\/a> and VA mortgages. The Federal Housing Administration insures FHA loans while the Department of Veterans Affairs guarantees VA loans for eligible borrowers.<\/p>\n<p>Both loan types are known more for their low down payments, 3.5-percent for FHA and zero down for VA, but they also offer borrowers more flexible lending guidelines than a conforming mortgage. However, both FHA &amp; VA will only lend on approved condo communities.<\/p>\n<p>You can find a list of approved developments from FHA and VA. If you don&#8217;t see the community on the list, both govt. sponsored enterprises have made it easier for condo associations to have their buildings approved.<\/p>\n<p>The standard underwriting guidelines for an FHA condo loan to be approved include:<\/p>\n<ul>\n<li>The borrower needs to qualify through FHA mortgage underwriting rules<\/li>\n<li>A minimum of 50-percent of the project&#8217;s units have to be primary residences<\/li>\n<li>A minimum of 70% of the units have to be sold in newly-built projects<\/li>\n<\/ul>\n<p>For the most part, if a building is approved by <a href=\"http:\/\/www.fanniemae.com\">Fannie Mae<\/a> or <a href=\"http:\/\/www.freddiemac.com\">Freddie Mac<\/a>, the FHA and VA should also be permitted to finance units within the community.<\/p>\n<p>A big benefit for FHA and VA borrowers is there are no add-on fees for the property being a condominium. Unlike Fannie and Freddie loans, the same mortgage rate will apply for a condo as it would for a single-family home.<\/p>\n<p><strong>Mortgages For Non-Warrantable Condos<\/strong><\/p>\n<p>There are less financing programs for non-warrantable condo but they are available.<\/p>\n<p>In general, a non-warrantable condo has the following characteristics:<\/p>\n<ul>\n<li>The construction of project is not completed<\/li>\n<li>HOA is still under control by the developer and not the owners<\/li>\n<li>A single person or entity is the owner of more than 10-percent of the total units<\/li>\n<li>The majority of units are non-owner occupied or rentals<\/li>\n<li>The community allows short-term rentals<\/li>\n<li>The project is in litigation<\/li>\n<li>The project has units under 400 sq. ft or it does not have a separate kitchen<\/li>\n<\/ul>\n<p>To get a non-warrantable condo mortgage, you&#8217;ll need to talk with a specialty lender. Conforming, FHA or VA loans are not available for a non-warrantable condo.<\/p>\n<!--CusAds0-->\n<div style=\"font-size: 0px; height: 0px; line-height: 0px; margin: 0; padding: 0; clear: both;\"><\/div>","protected":false},"excerpt":{"rendered":"<p>If you are in the market to buy a home but don&#8217;t want the hassles of maintaining the exterior and don&#8217;t mind a community setting, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":144,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[39],"tags":[53,52],"class_list":["post-138","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-condo-financing","tag-condo-financing","tag-condo-mortgage"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - 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