Our specialty is one thing: Co-op financing. And if you’ve ever tried to finance a co-op in New York City, you already know, it’s not the same as financing real estate.
We Know Co-ops
Co-op transactions come with strict building requirements, board approvals, and unique underwriting guidelines. This isn’t a space for general lenders. It requires specialized knowledge and experience. With our dedicated Co-op Project Approval Team, we help borrowers and professionals determine whether the co-op in question has been approved or is already on our list.
Co-op Loan Options
Agency Co-op Loans
- Fannie Mae Fixed & ARM programs
- Freddie Mac Fixed & ARM programs
Including:
- HomeReady®
- Home Possible®
- Refi Possible®
- RefiNow™
These programs allow qualified borrowers to access competitive rates and terms when purchasing or refinancing co-ops.
Non-QM Co-op Loans
We offer Non-QM co-op loan solutions.
- Alternative income qualification (where applicable)
- All non-QM loan programs available for co-ops
- Solutions for self-employed clients
And most importantly: Financing for Investment Co-ops, Many lenders won’t touch this. We do.
Beyond NYC
While co-ops are most common in New York, our programs extend beyond just one market. We currently offer co-op financing in these states. With additional states being added.
- New York
- New Jersey
- Florida
- California
- Connecticut
- Illinois
- Maryland
- Washington, DC
Unlike condos or single-family homes, co-ops involve ownership in a corporation, building-level financial review, and strict lending criteria. This is what we do every day.
Let’s structure your co-op loan the right way.
