Condos carry a small risk-based pricing adjustment compared to single-family detached homes - typically 0.25 to 0.75 in fees on Conventional loans at higher LTVs. The adjustment shrinks at 75% LTV and below. The pricer above prices condos accurately for your scenario.

A warrantable condo project meets Fannie Mae/Freddie Mac criteria: owner-occupancy ratio, no single-entity concentration, adequate reserves, no major litigation, and project completion. Warrantable condos qualify for standard Conventional financing.

A condo project that fails one or more agency criteria - investor-heavy, in litigation, low reserves, or otherwise outside guidelines. Non-warrantable condos require portfolio (non-QM) financing at a higher rate, typically 0.5% to 1.5% above standard Conventional.

Yes if the project is FHA-approved. FHA maintains a list of approved condo projects; if yours is not on it, your lender can sometimes get it added or use FHA Single-Unit Approval for one unit at a time.

Yes if the project is on the VA-approved list. Similar process to FHA - the project must be approved for any unit to be VA-financed.

High-rise condos work the same as low-rise for warrantability. The project criteria are identical. Property type may slightly affect appraisal complexity but not rate.

Yes - on qualifying fixed-rate Conventional Conforming, FHA, and VA condo loans of $200,000+. Non-warrantable condos financed through portfolio products are excluded since those are not Conv/FHA/VA.