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How do I get financing if the condo project is not FHA approve?

By
Mortgage and Lending with Kinecta Federal Credit Union

      It is July 2011 and I want to share a little secret with you, " the FHA wants to get out of the condo financing business!!!"  If it wasn't for condos FHA would be in much better financial shape.  That is why most projects are not Fha approved and it is almost impossible to get FHA financing on most condos.

      The solution is a 5% down conventional loan from a credit union.  Credit unions are able to offer 95% financing on loans up to $417,000.  Also, the pmi rates are much lower with credit unions.

       Credit unions also offer no pmi financing called SPMI with only 5% down.  With SPMI you pay an upfront fee and there is no pmi for the life of the mortgage.

     I specialize in financing on condomiums.  With just 5% down and a 660 fico score i can put your buyer into the condo of their dreams in less than 21 days.

 

     So, stop waiting for that knight in shining armor to come and put 20% down your condo listing.  Let me show you how to get financing with just 5% down.

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Debbie Holmes
John L. Scott - Boise, ID
Gets the job done!

I didn't know that!  Thanks!

Jul 24, 2011 08:02 AM
Brian England
Ambrose Realty Management LLC - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

Good information, I don't represent buyers on many condo's, mainly because of the trouble in getting financed, but with this tip, I will certainly be more open to doing so.  What a great option, thanks for the heads up!

Jul 24, 2011 09:12 AM
Joshua Lee
Kinecta Federal Credit Union - Los Angeles, CA

Yes Debbie and Brian.  5% down conventional financing is the way to go with condos.  Also, there is no pmi 

Jul 24, 2011 05:44 PM