Florida condo buyers and owners are navigating new territory: updated lending rules now demand complete financial reviews for condo associations and higher reserve requirements. As someone who’s watched Southwest Florida’s real estate landscape evolve for decades—and guided clients through countless condo transactions—I know how significant this shift is. These changes can make securing a conventional loan more challenging, especially here in Florida where condos are in consistently high demand. The practical effect? More buyers may find themselves considering portfolio or non-qualified mortgage lenders to secure their new home. Understanding how association finances, reserves, and lending standards interact has always been part of my approach to helping clients—whether you’re buying, selling, or planning a transition. Staying informed and strategic is key to making your next move a confident one.
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