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Condotel Loan Specialist





?We are able to provide home financing solutions to clients in the states in which we are licensed as OneTrust Home Loans. Please see our Locations & Licensing page for more details.


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Financing for Condos or Condo Hotels (Condotel)

Purchasing a condo or condominium unit is one of the fastest growing trends across the nation. There are a couple of options for financing a condo - if the condo meets certain requirements, you'll be offered the traditional conventional loan, however if a condo is not eligible, you may need to look for a lender that can offer innovative financing solutions. Good news - we offer both!

Conventional Financing

For a condo to be eligible for the traditional conventional loan program, the lender will need to submit the condo for review through Fannie Mae (a government sponsored company that purchases mortgages from lenders). If it does not meet Fannie Mae's requirements, which is common when you're purchasing your vacation condo or second home condo, your traditional mortgage lender likely won't be able to offer you financing.

Portfolio Financing for Condos and Condotels

In comes what we call our portfolio option for condotel financing. This is a unique option because rather than selling the loan to Fannie Mae, we fund and service the loan, meaning you will receive your monthly mortgage statement from us, and make payments to us. When this occurs, we can offer innovative solutions because as the lender and servicer, we decide on a case-by-case basis when it makes sense to offer home loan financing for a condo or condotel.

Condotel Financing Program Features


Offering conventional and portfolio loan options


Available for second home and investment properties


Team of condotel specialists that will walk you through the process


Portfolio financing options that traditional mortgage lenders can't offer

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