Condo Whisperer

California's Condo Financing Specialist

Jason Santos — The Condo Whisperer™ — Motto Mortgage Nexus

Just because the buyer is pre-approved doesn't mean the condo is.

Reserve issues, insurance problems, SB 326, deferred maintenance — condo project problems kill deals after escrow opens. Run the Clarity Check before they find you.

Because a pre-approval letter only means something if the lender can actually close the condo.

Run the Clarity Check™ Apply Now ↗ Book a Call ↗
< 2 minTo Screen a Project
12Screening Factors
CA · COLicensed States
DSCRNationwide
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Our Expertise

The financing problems other
lenders avoid

Condo financing is where most lenders tap out. It's where we specialize. Non-warrantable buildings, flagged projects, SB 326 complications — and deals currently in escrow that other lenders couldn't close. We've built the infrastructure specifically for deals like these.

01
Conventional & Agency Loans

For projects that qualify — competitive rates, fast process, no surprises.

02
Non-Warrantable Financing

When Fannie and Freddie say no, we have a path that often beats their pricing.

03
DSCR & Investor Loans

Buy-and-hold, short-term rental, portfolio — structured to maximize your returns.

Screen a Project →
Free Screening Tool

Condo
Clarity
Check™

Answer 10–12 questions. Get an instant read on whether a project is financeable — before it costs your deal.

🏢
HOA Health & Reserves
⚖️
Litigation & Assessments
📋
SB 326 Compliance (CA)
👥
Ownership Concentration
📊
Delinquency & Occupancy
🔧
Deferred Maintenance
Project ScreeningQuestion 1

This screening does not constitute a loan approval or commitment to lend. Licensed in CA & CO (residential) | DSCR Nationwide | Motto Mortgage Nexus

Next Tool
Address Verification

Condo
Pre‑Flight™

Submit a building address and I'll check it against Fannie Mae and Freddie Mac's approved and unapproved project lists — before you waste time on a deal that can't close.

Important

Available ≠ Closeable. A building can pass the agency lookup and still fail underwriting. Reserve studies, SB 326 reports, litigation, owner-occupancy ratios — the full Pre-Flight review catches issues before they derail your deal.

✓
Fannie Mae PERS Lookup
✓
Freddie Mac Unavailable List
✓
Full Warrantability Review (optional)
✓
Response within 1 business day
Pre-Flight Submission Step 1 of 3
Step 1 — Your Information

This is a preliminary review only and does not constitute a loan approval or commitment to lend.

Client Testimonials

What realtors &
clients say

★★★★★5-Star Google Reviews
“

They took what I thought was always out of reach and made it a reality with ease.

MP
Mike Peterson
5-Star Google Review
“

Other brokers were giving us the run around and pushing variable rate. Jason found us a great mortgage with a reasonable interest rate and walked us through everything so we could make an informed decision.

CC
Chris Cornacchia
5-Star Google Review
“

Jason went above and beyond to help us get our dream house!

AB
Adriana Bagdasarian
5-Star Google Review
“

Even during the most difficult times Jason was always well informed, calming and professional. He’s trustworthy, a valued asset and a very nice guy.

BA
Bob August
5-Star Google Review
“

Five stars are not enough for Jason Santos. He has closed some of the toughest transactions that other lenders simply could not get across the finish line.

ZA
Ziari Aguilar
5-Star Google Review
⚙ Review Manager — AI Curation Engine
Stored Reviews (0)

“Don't walk away from the deal
before you've made the call.”

Jason Santos — The Condo Whisperer™ — Motto Mortgage Nexus
Who We Serve

Built for people who
close deals

The Clarity Check and our financing solutions are for professionals and buyers who need real answers — fast — before a deal slips away.

Get Started ↗
01
Realtors

Screen projects before you show them. Walk into every listing knowing whether financing will be the problem.

02
Investors

DSCR, portfolio, non-warrantable — we structure deals most lenders won't touch.

03
Home Buyers

Found a condo you love? Know your financing options before you fall in love with the price.

04
Owners

Your building's financing eligibility directly affects your buyer pool and exit options.

About Condo Whisperer

The team realtors call
when it gets complicated

Whether your deal is clean and conventional, complicated by HOA flags or SB 326 issues, or already in escrow and falling out at another lender — Condo Whisperer has a path to close it. We built this practice specifically around the deals other lenders can't or won't close.

Non-warrantable buildings, litigation-flagged projects, low owner-occupancy, SB 326 complications — these aren't reasons to walk. They're exactly where Condo Whisperer's expertise matters most.

◆Owner, Motto Mortgage Nexus
◆Licensed in California & Colorado — Residential
◆DSCR Lending — Nationwide
◆Non-Warrantable Condo Specialist
📅 Book a Call Get My Info
The Toolkit

Intelligence tools for
condo transactions

Live Now 01
Condo Clarity Check™

Screen any project against agency guidelines in under 2 minutes. HOA health, ownership, litigation, SB 326, reserves — all of it.

Run the Check →
 Live Now 02
Condo Pre‑Flight™

Check a project's approval status against Fannie Mae and Freddie Mac databases before you submit.

Submit a Building →
 Coming Soon 03
Condo Investor Guide

The complete playbook for condo investment financing — DSCR, portfolio lending, non-warrantable strategies, and more.

Notify Me When Live →
Let's Talk

Don't walk
before you call.

Most condo financing problems have solutions. They just need the right lender. A 10-minute call can save a deal every other lender already passed on.

📅 Book a Free Call Apply Now ↗ ✉ Email Jason
Deal Falling Out of Escrow? We save and close the deals others can't.
☎  Call / Text  (818) 481‑4997