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Flexible Financing for Non-Warrantable Condominiums

Non-Warrantable Condo Loans


At First Heritage Mortgage, we understand how difficult it can be to find 
affordable financing for a non-warrantable condo. Work with our experienced 
team to achieve your goals and obtain competitive financing for your property.

Non-Warrantable Condo Program Highlights

We offer a range of financing solutions for condominiums, so you can find the mortgage you want – minus the hassles and stress you don’t.

Highlights of our non-warrantable condo loan offering include:

  • Purchase or Refinance
  • High loan-to-value (LTV) financing and loan limits
  • Choose between fixed and adjustable rate options
  • Flexible qualifying criteria
  • Primary residence, second homes, and investment properties all eligible

What Makes A Condo Non-Warrantable?

A condominium property is flagged as non-warrantable if the loan is not eligible to be sold to Fannie Mae or Freddie Mac, because it does not meet conventional guidelines. Many lenders consider financing a mortgage for this type of property to be too risky.

A condo unit might be considered non-warrantable if:

  • The project is new construction and/or has yet to be completed
  • The developer has not turned over control of the HOA to the owners
  • A high percentage of units are occupied by non-owners
  • The community allows short-term rentals
  • A single person or entity owns more than 10% of the total number of units
  • The building owner or developer is involved in litigation of any kind

Let our team of experts help you find the right solutions to finance your non-warrantable condo unit. Get in touch today.

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Mortgage Application Checklist

Use this simple checklist to get the mortgage process rolling.

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Mortgage Calculators

Try our calculators to start planning your home buying experience.

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Get in touch today to discuss your unique needs and find a mortgage than works for you.

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3201 Jermantown Road, Suite 800

Fairfax, VA 22030

Phone: 703.352.0721

Toll-Free: 866.833.LOAN

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