Big shifts are coming for Florida condo buyers and sellers: new lending rules now require full financial reviews of condo associations and demand higher reserves. For those of us who work with condos along Central Florida and Clearwater Beach, this means conventional loans are suddenly tougher to secure—even with strong demand. As a third-generation Floridian who’s spent decades guiding clients through complex transactions, I’m already seeing buyers start to explore portfolio and non-qualified mortgage lenders as alternatives. It’s one more example of how understanding the full picture—and knowing every available option—can make all the difference when you’re planning your next move.
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