California Condo Loan Specialist
Financing for warrantable and non-warrantable condos, including condo purchases, refinances, condo HELOCs, investment properties, and luxury condos throughout California.
Condo Financing Options
Whether you’re purchasing, refinancing, or financing a complex condo project, we provide financing solutions that fit both your goals and the condo project.
Why Condo Buyers Choose Pizarro Mortgage
Repairs
OK
Condo projects in need of repairs or deferred maintenance often still qualify for financing.
Litigation
OK
Pending litigation doesn’t always prevent financing. We finance condo projects other lenders decline.
Budget Issues
OK
Low HOA reserves, special assessments, and budget concerns can still qualify for financing.
Flexible
Financing
10% down payment.
Alternative income documentation accepted.
Loan amounts up to $5M.
What Is A Non-Warrantable Condo?
A non-warrantable condo is a condominium project that falls outside traditional guidelines established by entities such as Fannie Mae or Freddie Mac.
This does not mean financing is unavailable. It simply means the condo project may require specialized financing solutions.
Common reasons a condo becomes non-warrantable:
- Repairs needed
- HOA in Litigation
- Low HOA reserves
We specialize in financing non-warrantable condos across California.
Learn more about our Non-Warrantable Condo Loans.
How Condo Financing Works
A simple, transparent process from application to closing.
STEP 1
Apply Online
Complete a quick online application to get started..
STEP 2
Get Pre-Approved
Know your buying power before you shop.
STEP 3
Project Review
We review the condo project for any issues.
STEP 4
Shop Confidently
Make stronger offers with your financing in place.
STEP 5
Close Successfully
We guide you through underwriting and closing.
Explore Condo Communities
Financing options for Southern California condo communities.
Estimate Your Monthly Condo Payment
Estimate your monthly payment including principal & interest, taxes, insurance, HOA dues, and mortgage insurance.
- Principal & Interest: $0
- Property Tax: $0
- Property Insurance: $0
- HOA Dues: $0
- Mortgage Insurance: $0
Need Condo Financing? Let’s Talk.
carlos@pizarromortgage.com
Why work with Pizarro Mortgage
Condo Expertise
Non-warrantable condo financing specialists.
Creative Financing
Bank statements, asset utilization, DSCR, & more.
Responsive Service
Fast communication from application to closing.
Fast Closings
Quick approvals and smooth transactions.
Let’s Connect
Tell us a little about your scenario and we’ll follow up shortly.