Condo financing check

Will a bank lend on this building?

Your own approval is only half the answer. Lenders also approve the building — and since Surfside many Florida condominiums have fallen off the warrantable lists over deferred repairs, thin reserves, litigation or too many rented units. Buyers find out late, after the offer.

What I can find out before you commit

Whether the lender's system already flags the project, and if it does, what loan is still possible
Milestone inspection and recertification records held by the county or city building department
Recorded liens, lawsuits and assessments in the public records
Whether other units in the building have recently closed with conventional financing — often the clearest signal there is
Rental rules, where they are published or already known from previous deals

And where it usually stops

Here is the catch nobody warns you about. The lender wants the association's documents — the budget, the reserve study, the completed condo questionnaire, the board minutes where assessments get announced. Many associations will not release any of it until you are under contract. The lender needs it before you commit; the association gives it only after. That deadlock is real, it is common, and I cannot always break it.

What I promise

I will gather everything available without the association and press for the rest. Then I will tell you plainly what I found and what stayed closed — before you decide, not after. And if the documents come only with a contract, we talk about how to go under contract in a way that still lets you walk away once you have read them.