Send Us the Project
Program and regulatory figures verified September 18, 2026. Details change; confirm your scenario with us.
Buyers, owners, agents and board members all reach us here. Say which you are and we will skip the parts that do not apply.
What to send
- The property address, and whether it would be a primary residence or a second home.
- Purchase price or estimated value, and the down payment you have available.
- Whatever a lender already told you, particularly the project reason for a decline.
- Your timeline, especially if you are under contract.
What happens next
Our team reaches out shortly. You will get a straight answer on whether the unit can be financed and roughly on what terms, or a clear no. We would rather close a question quickly than keep a transaction on life support.
No obligation. Send us the project and the scenario, and you will get a straight answer on whether it can be financed and on what terms, including when the answer is no.
We are a lender. Association budgets, reserve studies and governance decisions belong to the board, its management company and association counsel. What we can tell you is what those decisions do to an owner's ability to finance or sell.
Frequently asked questions
I am an agent, not the borrower. Can I still ask?
Yes, and it is often faster. Send the address and what the lender said and we will tell you whether the unit is financeable before you take it back to your client.
I am on a board and not looking for a loan. Will you still answer?
Yes, at no charge. We can explain how financing reads your community and what the agency changes do to your owners. We do not advise on budgets, reserve studies or governance, and we will say so.
How quickly will someone get back to me?
Our team reaches out shortly during business hours. If you are under contract with a deadline, say so and we will treat it that way.
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.