Property Type · Florida
Condo Buyer in Florida
Buying a condo in Florida? We handle Florida's Milestone/SIRS reviews and complex HOA budgets so your loan closes on time.
Common challenges we solve
- Non-warrantable condo issues
- Florida SIRS / structural reserve compliance
- High HOA dues affecting DTI
What you get with Lumos
Non-warrantable condo programs
In-house condo questionnaire team
Down payments from 5% on warrantable units
Loan programs that typically fit
Frequently asked
- What is a non-warrantable condo?
- A condo that doesn't meet Fannie/Freddie standards — we have specialty lenders for them.
- Does Florida SIRS hurt my loan?
- Only if the building's reserves are deficient. We screen the project upfront.
