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Non-Warrantable Georgia Condo Lenders

Non-Warrantable Georgia Condo Lenders

We offer Non-Warrantable Georgia Condo Loans in Florida!

Non-Warrantable Georgia Condo Guidelines:

  • Min 15% Down!
  • Non-Warrantable Lender
  • Purchase or Refinance a Georgia Non Warrantable condo!
  • Full Documentation Only
  • 600 FICO Minimum
  • Fixed 30 & 15; ARM: 3/1, 5/1, 7/1
  • 80% LTV to $5 million max loan amt
  • Primary Vacation/Second Home w/ full kitchen only
  • Max DTI ratio is 50% w/12 Months PITI Required Liquid. 24 months if >$1M loan amt
  • Non-Warrantable Georgia Condo Loan amounts up to $2M, 60% LTV
  • Low competitive conventional rates
  • Case by Case approvals for  Georgia Condominium Warrantable or Non-Warrantable!

When Fannie Mae or Freddie Mac determine a Georgia Condo project isn’t eligible under their guidelines the project is called a Non-Warrantable Georgia Condo.

About Non Warrantable Georgia Condo Lenders

The Georgia Condo project does not fit the three Fannie Mae or Freddie Mac class guidelines. Banks typically do not like to lend on Georgia Condominiums in non-warrantable Georgia Condo projects because they cannot be insured and cannot be sold off to an investor. The only mortgage  lenders who will lend on a non-warrantable Georgia Condo project is a typically a portfolio lender.

Non-Warrantable Georgia Condo Mortgage portfolio lenders lend their own money and hold the loan for servicing in their “portfolio” of loans.  They tend to lend on riskier real estate transactions and give higher rates due to the risk. Yes…this means a Non Warrantable Georgia Condo Lenders typically have higher rates.

Non-Warrantable Georgia Condo Guidelines:

  • Min 15% Down!
  • Non-Warrantable Lender
  • Purchase or Refinance
  • Full Documentation Only
  • 600 FICO Minimum
  • Fixed 30 & 15; ARM: 3/1, 5/1, 7/1
  • 80% LTV to $625K max loan amt
  • Loans to 75% to $1.5M, 70% to $2M, 60% to $3M
  • Vacation/Second Home w/ full kitchen only
  • Max DTI ratio is 50% w/12 Months PITI Required Liquid. 24 months if >$1M loan amt
  • Non-Warrantable Georgia Condo Loan amounts up to $2M, 60% LTV
  • Low competitive conventional rates
  • What Makes a Georgia Condominium Warrantable or Non-Warrantable?

A NON-WARRANTABLE Georgia Condo does not meet ANY ONE of these guidelines:

  • A Non-Warrantable Georgia Condo Is not: A Georgia Condominium project with features that lenders view as favorable in terms of their risk exposure on loans secured by individual Georgia Condo units.
  • A Non-Warrantable Georgia Condo Is not: A project that (including all common areas) is fully completed and the common areas are insured.
  • A Non-Warrantable Georgia Condo does not: Have the Homeowners Association controlled by unit owners (as opposed to the developer) for some period.
  • A Non-Warrantable Georgia Condo does not: Have most units are owner-occupied.
  • A Non-Warrantable Georgia Condo does not: Have one person who owns more than 10% of the units.

Loans on units in warrantable Georgia Condos receive better terms than loans on units in a non-warrantable Georgia Condo project.

OTHER INFORMATION LINKS RELATED TO NON WARRANTABLE GEORGIA CONDOS

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We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on Zillow.com and counting, you’re assured of having the backing of an experienced team.

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