Your condo deal
isn't dead yet.
Hundreds of Miami buildings fail the new agency financing rules — so lenders decline the building before they ever look at the buyer. We operate our own mortgage company built for exactly these deals.
The problem
Why Miami condo deals die in 2026
It's almost never the buyer. Post-Surfside reforms rewrote what Fannie Mae and Freddie Mac will finance, and Miami's older coastal buildings are exactly what the new rules exclude.
Reserve requirements
Associations must now fund reserves at levels many buildings never budgeted. Underfunded reserves = ineligible list = no conventional loan, regardless of the buyer's credit.
Structural & recertification
40- and 50-year recertifications, structural integrity studies, documented deferred maintenance. One open item can freeze financing for the entire building.
Litigation & investor ratios
An association suing its contractor, or too many investor-owned units, fails agency guidelines automatically — even in a financially healthy building.
The fix
A lender that underwrites the building on its merits
Swiftlend, our affiliated mortgage company, specializes in condominium financing. Instead of running a building through an agency checklist, we underwrite what's actually there: the association's finances, the litigation's substance, the repair timeline.
- 1
Send us the building
Address and unit. If we've reviewed the building before — and in Miami-Dade we usually have — you'll know the same day.
- 2
Get a real answer in 48 hours
Not a rate sheet: a yes/no on the building, the program that fits, and what the association needs to document.
- 3
Close the deal everyone else lost
Portfolio programs for non-warrantable buildings, litigation review, flexible reserve analysis.
Proof
Condos other brokerages can't sell
We list buildings with their approval status in the open — including the ones that need our desk to close.
Rescue line
Bring us your dead condo deal
Buyers: your building got declined, not you. Agents: your commission died in underwriting three weeks before closing. Either way — send the address before you send the cancellation.
Agents: rescuing your deal does not require joining BlueShore. (Though once you see how this works, we should talk — ask about the $500 flat fee.)
Rescue my condo deal
The more you tell us about the building, the faster the answer.
The building failed. The buyer didn't.
Non-warrantable doesn't mean unfinanceable — it means the loan needs a lender that reads past the checklist. That's the desk we built.
Rescue my condo dealMortgage products described on this page are offered by Swiftlend Home Loans, NMLS #XXXXXXX, an affiliated company of BlueShore Realty. You are not required to use Swiftlend as a condition of buying or selling a home with BlueShore Realty, and you are free to shop for financing from any lender. All loans subject to credit and property approval; terms and programs vary by building and are not a commitment to lend. Equal Housing Opportunity.