Florida Condo Loans
What Is a Florida Condo Loan?
Financing a condominium in Florida involves a layer of complexity that goes beyond a typical home purchase. In addition to qualifying the borrower, lenders must also evaluate and approve the condo project itself — including the HOA’s financial health, insurance coverage, owner-occupancy ratios, and pending litigation.
At Keystone Lending, Florida condo financing is our home turf. From the high-rises of Clearwater Beach to boutique condo communities in St. Petersburg, we know the approval process inside and out. Whether your condo is warrantable, non-warrantable, or everything in between — we will find the right loan for your dream property.
Condo Approval
Project must meet lender eligibility requirements.
HOA Review
Association financials and insurance are evaluated.
Multiple Programs
FHA, VA, Conventional & Non-QM options available.
Key Benefits
Warrantable Condo Loans
Access the best conventional, FHA, and VA rates for condo projects that meet agency guidelines.
Non-Warrantable Expertise
We have portfolio and Non-QM options for condos that don't qualify through traditional channels.
High-Rise Financing
We finance units in high-rise and mid-rise towers, including beachfront properties along the Gulf Coast.
Investment Condo Loans
Looking to purchase a vacation rental or investment unit? We have programs designed specifically for you.
Fast HOA Review Process
We work quickly to gather and review condo association documents to avoid unnecessary delays.
Local Project Knowledge
We already know many Tampa Bay condo communities, which speeds up approvals significantly.
Loan Options Available
Condo Loan Options Available
Conventional Condo Loans
Best rates for warrantable projects with strong owner-occupancy and healthy HOA reserves.
FHA & VA Condo Loans
Government-backed options for approved condo projects — check current FHA-approved condo lists.
Non-QM Condo Financing
Portfolio lending solutions for non-warrantable projects, investor units, and unique scenarios.
Who is This Best For?
Want to purchase a beachfront or waterfront condo in the Tampa Bay area
Are buying in a high-rise or mid-rise condo tower
Are purchasing a vacation property or short-term rental unit
Have been told their condo is 'non-warrantable' by another lender
Are investors looking to add a Florida condo to their portfolio
Need a lender who understands Florida-specific condo regulations
Requirements Overview
Condo Loan Requirements Overview
Credit Score
620+ (Conventional) / 550+ (FHA)
Down Payment
3–25% Depending on Program
HOA Financials
Reviewed for Approval
Owner-Occupancy
Minimum Ratio May Apply
Why Choose Keystone Lending?
Speed & Efficiency
Same-day pre-approvals and extremely fast clear-to-close times so you never miss an opportunity.
Personalized Care
Direct access to Curtis Norman and a team dedicated to your specific financial picture.
Competitive Rates
We shop the market and bring you the lowest available rate for your unique situation.
Transparent Process
No hidden fees, no surprises — clear communication with you at every single step.
Ready to Make Your Coastal Dream a Reality?
ADDRESS
1467 Hunter Lane, Clearwater, FL 33764
PHONE
(727) 383-6682
angelitawnorman@gmail.com
