01NEW AUG 3
Full financial review is now standard.
Limited and streamlined reviews are gone for new conventional condo applications—even with a strong buyer or large down payment.
Agent move: Send the project before the buyer is binding.
ATLANTA CONDO FINANCING · EFFECTIVE AUGUST 3, 2026
Condo rules changed.Your deals don't have to.
Most new conventional condo loans now require a full project financial review—no matter the down payment. Send us the Atlanta condo address or MLS link. We'll take it from there.
24–48 hour target once project documents arriveMultiple financing paths conventional to non-warrantable
THE BIG CHANGEFull review
is the default.
is the default.
Tara RyanTeam Lead / Senior Loan OfficerNMLS #233792
AUG 3New rule effective
FULL REVIEWRegardless of down payment
JAN 4Reserves rise to 15%
ATLANTA CONDO LOAN UPDATE
Three things agents need to know.
No seminar required. These are the changes that can affect the offer, the listing, and the closing date.
02THE EXCEPTION
Small standalone projects get a cleaner path.
A 2–10 unit condo that is not inside a larger master association can receive an insurance-only project review.
Agent move: Identify whether a master association exists.
03COMING JAN 4
Reserve funding rises from 10% to 15%.
HOAs should be preparing 2027 budgets now. An acceptable reserve study may support a different allocation.
Agent move: Let the condo desk evaluate the current budget.
ATLANTA CONDO FINANCING
One condo desk for the whole metro.
From Buckhead and Midtown high-rises to condos in Brookhaven, Decatur, Sandy Springs, and Peachtree Corners, project eligibility can shape the loan before the unit does.
We help agents explore:
Conventional condo loansFHA-approved condosVA condo financingJumbo condo loansNon-warrantable condosCondo project approval
THE MARKETING OPPORTUNITY
Be the agent
with the answer.
You do not need to become a condo underwriter. Give us the project; we'll turn the financing questions into an answer you can use.
Write with confidence.
Text or email the address before the offer. We'll investigate the project while you advise the buyer.
Market the financing—not just the amenities.
Introduce us to the HOA contact once. We'll handle the document chase and help define the qualified buyer pool.
ONE EASY HANDOFF
You send the address.
We do the digging.
No HOA budget in your inbox? Good. You should be selling—not chasing insurance certificates and financial statements.
Send a condoSend the address or MLS link.
If you have the HOA contact, include it. If not, we'll help find the right starting point.
We contact, collect, and review.
Our condo team works with the HOA or manager to gather the budget, financials, questionnaire, and insurance.
You get the likely financing lane.
Conventional, government, jumbo, non-warrantable—or the exact issue that needs to be solved.
THE RYAN MORTGAGE TEAM CONDO DESK
Got an address?
Get an advantage.
Send the address or MLS link. Our condo team handles the document chase and helps identify the likely financing path.
24–48HOUR REVIEW TARGET
ONCE DOCUMENTS ARRIVE
ONCE DOCUMENTS ARRIVE
Educational overview of the August 3, 2026 Fairway condo class. The highlighted changes concern conventional financing. Program and project eligibility remain subject to complete borrower, property, association, investor, insurer, and underwriting review.