Disney Partners Credit Union, in exclusive partnership with Urbanista Florida’s Condominium Specialists, delivers a unified lending system engineered specifically for the underwriting, compliance, and structural challenges of Florida’s condominium market with a focus on Downtown Orlando, Lake Eola, Baldwin Park, Winter Park, and the College Park.

 

Our joint program provides 2026-ready, legally compliant, risk-mitigated financing solutions for buyers, sellers, developers, HOAs, and investors.

 

Florida condo financing follows a distinct and more stringent underwriting process than single-family homes.

We identify HOA, structural, and insurance red flags early to ensure a no-surprise closing.

 

• Deep experience with Florida’s evolving condo regulations

• SIRS, milestone inspections, structural reports

• Reserve funding compliance & special assessment reviews

• Insurance volatility and project approval requirements

 

• Expertise across Disney-area buyer categories:

• Primary residence

• Second-home buyer

• Corporate relocation

• Foreign nationals

• Short-term rental investors

• Guidance on occupancy rules, rate impacts, and eligibility standards

 

• Dedicated condo-qualified mortgage specialist

• Pre-approval → HOA underwriting → insurance reviews → estoppels → closing

• Consistency and compliance from application to key delivery

 

• Conventional, jumbo, foreign national, condo-hotel, new construction

• Mixed-use and complex urban towers

 

 

 

 

 

 

 

 

 

 

 

 

Lenders must verify:

• HOA financial stability

• Reserve study & reserve funding compliance

• Structural inspection and milestone history

• Special assessment status

• Adequate master insurance and deductible structure

 

 

Underwriters require:

• Verifiable reserve contributions

• Confirmation that structural reserves are not waived (illegal beginning 2026)

• Documentation for any prior or pending assessments

 

 

Affects:

• Loan-to-value requirements

• Investor eligibility

• Insurance risk categorization

• Agency approval status

 

 

A SIRS is integral to evaluating:

• Structural stability

• Future liabilities

• Repair costs and reserve compliance

 

UrbanistaOrlando.com ensures clients understand the financial and legal significance of these reports as Florida leads the United States in condominium regulatory reform.

 

A SIRS is more than a statutory mandate

 

It is the cornerstone of Florida’s new era of structural safety, transparent governance, and risk-aware lending.

 

 

2025–2026 underwriting prioritizes:

• Master insurance availability

• Wind, flood, and liability limits

• Carrier stability and deductible structure

 

• Declaration, bylaws, rules

• 2026-compliant budgets

• Reserve studies

• Master insurance declarations

• Financial statements

• Meeting minutes

• Inspection & milestone reports

 

 

 

Immediate review of borrower profile + building requirements.

 

 

We verify the condo qualifies before you submit an offer.

 

• SIRS & milestone inspections

• Reserve funding levels

• Insurance binders

• Budget, financials, and assessment history

 

 

We ensure the property meets Florida’s new structural & reserve mandates.

 

 

Coordinated across Urbanista, the HOA, title company, and the association.

 

 

• Rates projected: ~6.0% average

• Growth in alternative and extended-term loan programs

• Increased borrower confidence as inflation stabilizes

 

• Elevated but stabilizing premium environment

• Driven by structural mandates, labor inflation, and carrier risk

• Gradual re-entry of select insurers into Florida

 

• Full-documentation underwriting continues

• Stricter review for buildings 20+ years old

• Higher demand for portfolio and investor loan products

 

 

• Mandatory SIRS for 3+ story buildings

• Full structural reserve funding required Jan. 1, 2026

• Funding waivers are prohibited

• Associations may use loans or special assessments with membership approval

 

 

For associations with 25+ units:

• Public-access website or app required

• Posting of budgets, financials, reserves, inspections, minutes

 

• Video recordings become official records

• Records posted online within 30 days

• Minimum 7-year document retention

 

• Restrictions on fines for items not visible from common areas

• 14-day written notice before any penalty

 

• Virtual meetings permitted

• Physical quorum required

• Annual meeting location restrictions

• Extended financial-report deadlines

 

• 2026 budgets reflect mandatory structural reserves

• Buyers should prepare for increased dues and assessments

 

 

The Partner’s & Urbanista lending platform provides:

• Good-faith closing cost estimates

• Project eligibility screening

• Compliance with Florida Statutes & federal lending laws

• HOA document and risk analysis before contract execution

• A no-surprise underwriting philosophy

 

We ensure every buyer understands the structural, financial, and legal conditions affecting the property.

 

Downtown Orlando Condominium mortgage specialists will evaluate:

• Credit, income, and assets

• Building’s 2026 compliance status

• Master insurance stability

• Reserve funding levels

• Structural inspection results

• Assessment risk exposure