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Can anybody finance the condo which has 30% HOA delinquency?

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Real Estate Agent with Coldwell Banker

I have a listing in a nice area of Oakland, California.  Two bed, one bath, south-facing top floor corner unit with one deeded parking.  I put the price aggresively since the seller MUST sell by the end of Januray.

Before I put it on market, I made sure no litigation against the building and occupancy rate 70%.  I read all minutes.  Minutes did not mention anything about HOA delinquency!  Condo Cert is $160, and I was goin to order if I get the offer.

Thank God, a lot of interests, and a well-qualified buyer was very interested.  Her loan officer asked me about HOA delinquency.  Yes, I forgot to research about HOA delinquency before I put it on market.  I called up the HOA manager, and the answer was 30%........OH, NO!

I was stupid. 

I called many senior loan officers, and so far, I did not find any lender.  Can anybody make a loan for this building?  Please let me know.   It's not FHA approved condo.

Comments(6)

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Rubi Kawamura
Coldwell Banker - San Francisco, CA

Thanks, Rosemary.  I appreciate your help!  Rubi

Dec 07, 2009 03:01 PM
David Zablatsky
Avant Realty Group - Needham, MA
Real Estate - Needham, MA

Wow,

 

Rubi, that is tough you can keep trying but banks are really cracking down and strict when it comes to condos, occupancy and leans or issues on them and no fha approval as well, wish you best of luck.

 

-David

Dec 07, 2009 03:10 PM
Rubi Kawamura
Coldwell Banker - San Francisco, CA

Thanks, David.  I am in a big trouble.  Financing is so hard!  I knew that, but .....I wish I could get out from this problem.

Dec 07, 2009 03:16 PM
Michael Regan
The Regan Team Home Loan Group - Petaluma, CA
Home Loan Extraordinaire

Hi Rubi...as much as it pains me...the only lender I've heard that will touch this situtaion is exchange bank in sonoma county and they'll only do a 5/1 ARM...it's a portfolio product.   www.exchangebank.com

Dec 07, 2009 11:05 PM
Crystal Bush
First Class Real Estate Services - Fort Washington, MD
Crystal Bush

Rubi,

I have a similiar situation.  Where you able to find a financing solution? 

Jul 05, 2010 04:17 AM
Rubi Kawamura
Coldwell Banker - San Francisco, CA

Hi Crystal,

 

I got a cash offer.  However, you may want to contact Danny Kim at

danny@bentleycapital.net  650-574-7500. EXT 105

He told me that there was a lender which might be able to finance if buyer has over 20% down. 

Jul 05, 2010 04:26 AM