In Miami’s ever-evolving real estate landscape, new lending rules for condos are changing the game—especially here in Florida, where condo living is a pillar of our lifestyle. Lenders now require full financial reviews of condo associations and higher reserves. This makes securing a conventional loan for a condo more challenging than before, even as demand for these properties remains strong. As someone who has spent over 25 years guiding clients through every kind of market shift, I’m seeing more buyers explore portfolio and non-qualified mortgage options to achieve their goals. Understanding these changes—and how they impact your path to homeownership—is essential. My priority has always been to listen, to guide, and to help you navigate every step with clarity and trust.
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