With the recent changes to lending rules, Florida’s condo market is seeing a significant shift. Full financial reviews and increased reserve requirements now mean conventional loans are more difficult to secure—especially for those seeking to purchase in our state. As someone who’s spent over three decades navigating residential real estate on Marco Island, I’ve witnessed firsthand how these regulatory adjustments can shape buyer decisions. What’s emerging is a trend: many buyers are exploring portfolio and non-qualified mortgage options to keep pace with the strong demand for condos. My experience has taught me that understanding the nuances of these lending strategies can make all the difference in finding the right fit for your goals—whether you’re seeking your next home or an investment opportunity.
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