About This Resource
Program and regulatory figures verified September 18, 2026. Details change; confirm your scenario with us.
A lender's resource on a problem that is about to affect a lot of people who have not heard of it.
Why this exists
Most writing about condo warrantability explains what the term means and stops. That was adequate when the standard was stable. It is not adequate now, because the standard moved twice in 2026 and moves again on January 4, 2027, and almost nothing published explains what changed, when, and what it does to a specific owner.
The people who need that answer are not all the same. A buyer whose loan just died needs one thing. An agent with a dead escrow needs a shorter version of it, today. A board member trying to understand what the rules do to their community needs something different again. This site is built as three doors into the same set of facts.
How the figures are sourced
Agency rules and effective dates come from Fannie Mae Lender Letter LL-2026-03, read in full rather than summarised from trade coverage. Condo market figures come from the Community Associations Institute's compilation of American Housing Survey data. Loan limits come from FHFA. Where a figure changes annually, the page says so.
One thing we deliberately do not publish is a pricing comparison for non-warrantable financing. A widely repeated figure circulates in trade coverage, and we could not verify it at a primary source, so it is not here.
What we do not do
We are lenders. We do not advise association boards on reserve studies, budget adoption, assessment increases or governance, and we are the wrong people to ask. Those decisions belong to the board with its management company and association counsel. What we can tell you is what those decisions do to an owner's ability to finance, refinance or sell.
Reach us through the contact page.
Frequently asked questions
Are you affiliated with Fannie Mae or Freddie Mac?
No. We are a mortgage lender that originates loans subject to their standards. Their published lender letters and selling guides are the authority; this site explains what those documents mean in practice and cites them.
Do you charge boards for information?
No. We are happy to answer a board's questions about how financing reads their community at no charge. We are not consultants and we do not advise on budgets or governance.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, accounting or association-governance advice. Agency project standards change; association budgets, reserve studies and governance decisions belong to the board, its management company and association counsel. Loans are subject to borrower and property qualification, and not all projects or borrowers will qualify.