New Construction Condo Loans Florida | Non-Warrantable OK | Ronald Cepeda
Pioneer Mortgage Funding · New Construction Condo Financing

New & Pre-Construction Condos. Even the Ones Banks Won't Touch.

One of Florida's most specialized lending niches: financing for newly built and pre-construction condominiums — including non-warrantable projects most lenders auto-decline.

✓ Pre-construction OK✓ Non-warrantable OK✓ Florida specialty
Check My Building

Takes 60 seconds · No credit pull · No obligation

Why This Program

Built for exactly your situation

1

Non-Warrantable? No Problem

New buildings rarely meet Fannie/Freddie condo rules. We work with lenders who approve what others decline.

2

Pre-Construction Expertise

Buying from a developer? We navigate deposit schedules, closing timelines, and approval quirks daily.

3

Foreign Buyers Welcome

New-construction condos and foreign national programs pair perfectly — we do both under one roof.

4

Investor-Friendly Options

DSCR programs for condo investors, including buildings with rental restrictions in flux.

Client Scenario

The pre-construction unit with a hard deadline

Andres put a deposit on a pre-construction Sunny Isles condo. As closing approached, the building was only 40% sold — non-warrantable — and his lender backed out with the developer's deadline looming and his deposit at risk. We moved the file to a lender that approves new buildings, restructured at 25% down, and closed on the developer's schedule. Deposit saved.

25%
Down Payment
40%
Building Sold
On Time
Developer Deadline

Illustrative scenario based on real client situations; names and details changed for privacy. Individual results vary. All loans subject to approval.

The Process

Three steps to the closing table

1

Send the Building Info

Tell us the project and unit. We quickly assess how lenders will view the building.

2

Get Matched Right

Your loan goes to a lender that actually approves this type of project — no wasted applications.

3

Close on Schedule

Developer deadlines are real. We manage the timeline so your deposit is never at risk.

Client Reviews

100+ five-star Google reviews

★★★★★

"Ronald closed us in less than 30 days! Everything was done on time and no questions left unanswered."

— Javier Gonzalez
★★★★★

"Two weeks exactly to close — thank you PMF team for making this happen!"

— Andrew Puebla
Read all reviews on Google →
Get Started

Check My Building

Ronald Cepeda

Ronald personally reviews every inquiry —
expect a call or text the same business day.

By submitting, you agree to be contacted by the Ronald Cepeda Team about your inquiry by phone, email, and automated text message (msg & data rates may apply; reply STOP to opt out). We respect your privacy and never sell your information.

✅ You're all set!

Ronald will reach out shortly. Want to talk now?
Call or text 305-785-3915
or schedule a call.

Common Questions

New Construction Condo Financing FAQ

Can you finance a new construction or non-warrantable condo in Florida?

Yes. We specialize in financing new construction and pre-construction condominiums, including non-warrantable projects that most lenders decline, with programs built for Florida's condo market.

What makes a condo non-warrantable?

Common triggers: too many units owned by one entity, pending litigation, high investor concentration, or the project not being complete — all typical for new buildings.

Can I get financing before the building is finished?

You can get pre-approved and structured early; the loan closes when your unit receives its certificate of occupancy.

Do these loans require bigger down payments?

Often 20–25%+ depending on the building's status and your profile — we'll tell you exactly where you stand up front.