The California Condo Seller’s Warrantability Checklist
A free pre-listing checklist for California condo sellers and listing agents. The 2026 Fannie Mae and Freddie Mac rule changes, SB 326 inspection requirements, what to gather before going to market, and the non-warrantable loan programs we use when projects don’t qualify. Sent straight to your inbox.
What's inside this playbook:
-
1
The 14-Point Pre-Listing Checklist
Everything Fannie Mae, Freddie Mac, FHA, and VA actually look at. The exact documents to gather before you list.
-
2
The 2026 Rule Changes (Dated and Decoded)
Limited Review gone August 3, 2026. The 15% reserve rule on January 4, 2027. The $10,000-per-unit critical repair rule already in effect. What each one means for your sale.
-
3
SB 326 Inspection Status
How to check whether your HOA completed its required balcony inspection (or didn’t), and what to do either way before lenders flag it on the questionnaire.
-
4
The 9 Red Flags That Kill Condo Deals
Litigation, special assessments, investor concentration, commercial space ratios, hotel-style operations. What buyers’ lenders look for, and what to disclose before they ask.
-
5
What to Do If Your Building Isn’t Warrantable
The non-warrantable condo loan programs that close deals when conventional financing fails. Real options, real lenders, real closings. Plus the conversation to have with buyers’ agents.
A self-employed buyer came to me after two lenders said no. The buyer was qualified. The property was fine. The other lenders just didn't know how to structure the file. We did. The buyer got the home.
About Daryn Fillis
Certified Mortgage Advisor and Branch Lead at NEO Home Loans in Los Angeles. Eighteen years building businesses before mortgages, including running a company as CEO in Mexico City. I've sat in your seat. Self-employed buyers are most of who I work with.