Yes! We Finance Non-Warrantable Condos Loans Up to 90% LTV

A&D Mortgage offers a range of financing solutions for new and established non-warrantable condominiums for borrowers who don’t meet Fannie Mae’s requirements. Our expanded guidelines differ from Fannie Mae by reducing capital reserves requirements, allowing for more investment properties to be sold, and available to both new and existing projects. This provides stress-free, hassle-free mortgage options that let your clients secure more condo loans – even for LTVs up to 90%.

Limited Review Highlights 

• Owner Occupied – 75% LTV
• Second Home- 70% LTV
• Non-Owner Occupied – 70% LTV
• No Capital Reserves Requirement
• No HOA Dues Requirement
• No Investment Concentration Requirement
• No Requirement on Developer Ownership Interest

Full Review Highlights

• Maximum allowable LTV
• Owner Occupied > 75% LTV
• Second Home> 70% LTV
• Non-Owner Occupied > 70% LTV
• Capital Reserves Requirement= 8%
• Investor Concentration = Max 75%