Condo Financing – Warrantable, Non-Warrantable, and Specialty Loan Programs

Modern apartment building with balconies and large windows under a clear blue sky. Palm trees in front create a sunny, relaxed atmosphere.

Buying a condo in Florida can feel like navigating a maze of extra rules and restrictions. While they’re a popular choice for homeowners, snowbirds, and real estate investors, condominiums often create significant challenges for lenders. Many condo projects are not “fully warrantable” under Fannie Mae guidelines — meaning that, even if you’re financially qualified, your mortgage application…

June 28th is National Insurance Awareness Day and it’s a perfect time to make sure you understand the coverage that protects your biggest investment: your home. Let’s be honest—homeowners insurance in Florida can feel especially confusing. With hurricanes, flooding, and changing requirements, it’s hard to know what’s actually covered, what’s not, and whether you’re fully…

If you’re a homeowner looking to access more of your home’s equity without waiting a full year after your original mortgage, the 90% LTV Conventional Cash-Out Refinance could be a smart move. Designed for primary residences, this program lets you refinance up to 89.99% of your home’s value—providing a flexible way to consolidate high-interest debt,…

At JZ Mortgage, we know that smart investors are always looking for the best ways to grow and protect their wealth. Whether you’re a seasoned real estate investor or just starting to explore the possibilities, real estate offers a unique combination of stability, cash flow, and long-term appreciation. Unlike the stock market, which can be…

Are you dreaming of owning your own home but worried about the daunting down payment? We have exciting news that could turn your dream into reality! JZ Mortgage is thrilled to introduce our exclusive 0% Down Purchase Program, designed to help more people achieve homeownership without the financial strain of a large down…

Are you ready to tap into an ocean of possibilities within the real estate realm? JZ Mortgage Services Inc. introduces an innovative solution for your financing needs—Portfolio Loans. This comprehensive guide explores how our portfolio loan options cater to a diverse range of borrowers & situations, including those searching for new primary residences, first-time home…

In the dynamic and potentially profitable world of real estate investing, one strategy stands out for its ability to generate significant returns in a relatively short time: fixing and flipping properties. This blog post is a must-read for both seasoned and budding real estate investors in the vibrant Florida market. Here at JZ Mortgage, we…

Buying a home is one of the most significant financial decisions you’ll ever make. It’s a commitment that can shape your financial future and lifestyle for years to come. One crucial factor that often weighs on potential homebuyers’ minds is mortgage rates. When rates are high, should you wait for them to go down, or…

In today’s fast-paced lending landscape, efficiency and protection are crucial considerations for both lenders and borrowers. That’s where our Safe Check solution comes in, offering a seamless way to pre-qualify borrowers while safeguarding them from unnecessary credit trigger lead solicitations. With Safe Check, we can conduct a single or tri-merge soft credit check, eliminating the…

JZ Mortgage is pleased to offer a simple solution for new construction home buyers. Our new one-time close new construction program is an excellent loan program for home buyers, builders, and real estate agents in the housing market. These loans offer a wide range of benefits to minimize risk for all parties and provide financing…