There’s a significant shift underway for Florida’s condo market: new lending regulations now mandate full financial reviews of condo associations and higher reserve requirements. For many buyers hoping to secure a conventional loan, this change introduces fresh hurdles—especially here along our coastal Northeast Florida corridor, where condo living remains highly sought after. I’m seeing how these rules are already steering more buyers toward portfolio lenders and non-qualified mortgage options, even as demand for well-located condos stays strong. My approach has always been rooted in market intelligence and measured strategy, and it’s clear that understanding these policy changes is essential for anyone navigating luxury or waterfront condo opportunities right now. Staying informed on regulatory shifts isn’t just due diligence—it’s how I help clients anticipate challenges and pursue the best path forward in St. Johns County’s evolving landscape.