If you’re keeping an eye on the Florida condo market, you’ve likely heard about the new lending rules shaking things up. Lenders now require a full financial review of condo associations and higher reserve funds, which is making it tougher for many buyers to secure conventional loans—especially along the Emerald Coast and throughout Northwest Florida, where condos are always in high demand. I know how stressful it can feel when lending requirements change mid-search, particularly if you’re relocating, buying your first place, or moving into a new chapter. These shifts may steer more buyers toward portfolio and non-qualified mortgage lenders, so it’s more important than ever to have someone in your corner who can help you navigate the options and understand what these updates really mean for you. My priority is making sure you feel supported and informed every step of the way, no matter how the market changes.
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