Southern California Non-Warrantable Condo Loan Specialist
Pizarro Mortgage specializes in non-warrantable condo financing throughout Southern California, including Los Angeles, Orange, and San Diego Counties. We help buyers and real estate agents navigate condo projects involving litigation, repairs, insurance concerns, low HOA reserves, special assessments, and other project-related financing challenges.
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 may 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 or deferred maintenance
- HOA litigation
- Inadequate insurance
- Low HOA reserves
We specialize in financing non-warrantable condos throughout Southern 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 offers knowing your financing is ready.
STEP 5
Close Successfully
We guide you through underwriting and closing.
Explore Southern California Condo Communities
Financing options for condo communities in Los Angeles, Orange, and San Diego Counties.
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.