# Social captions - Will your condo still be financeable in 2027? (Angela Warren cobrand)

Post image: `angela/instagram/feed-1080x1350.png`
Link: https://updates.patricknorman.net/angela/condo-financing-2026/

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## Facebook

Condo owners and buyers: the financing rules just changed.

Here's what's changing:
- July 1, 2026 - new insurance rules (already in effect)
- Aug 3, 2026 - every conventional condo loan now gets a full review of the HOA financials (already in effect)
- Jan 1, 2027 - minimum HOA reserves rise from 10% to 15% of the budget

Why it matters: If a building falls short, most buyers cannot get a loan there - sales stall and values soften for every owner. And HOA boards set their 2027 budgets THIS fall.

👉 My lending partner Patrick L Norman (CrossCountry Mortgage, LLC) and I put together a plain-English guide - what changed, what it means, and what owners, buyers, and boards should do now:

https://updates.patricknorman.net/angela/condo-financing-2026/

Selling or buying a condo? Ask about pre-approving the building before you list or write an offer.

Angela Warren, TVRG Homes, Lic. SP98360398 · Patrick L Norman, Senior Loan Officer, CrossCountry Mortgage, LLC, NMLS #303097 (nmlsconsumeraccess.org). Equal Housing Opportunity. Educational information only - not a loan offer or commitment; all loans are subject to credit review and underwriting approval. This co-marketed material is shared by each party at its fair-market-value cost consistent with RESPA Section 8; no party pays for referrals and none are required.

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## LinkedIn

Condo owners and buyers: the financing rules just changed.

Here is what is changing, and when:
- July 1, 2026 - new insurance rules (already in effect)
- Aug 3, 2026 - every conventional condo loan now gets a full review of the HOA financials (already in effect)
- Jan 1, 2027 - minimum HOA reserves rise from 10% to 15% of the budget

Why it matters: If a building falls short, most buyers cannot get a loan there - sales stall and values soften for every owner. And HOA boards set their 2027 budgets THIS fall.

My lending partner Patrick L Norman (CrossCountry Mortgage, LLC) and I put together a plain-English guide - what changed, what it means, and what owners, buyers, and boards should do now:

https://updates.patricknorman.net/angela/condo-financing-2026/

Selling or buying a condo? Ask about pre-approving the building before you list or write an offer.

#condo #condoliving #hoa #homebuying #firsttimehomebuyer

Angela Warren, TVRG Homes, Lic. SP98360398 · Patrick L Norman, Senior Loan Officer, CrossCountry Mortgage, LLC, NMLS #303097 (nmlsconsumeraccess.org). Equal Housing Opportunity. Educational information only - not a loan offer or commitment; all loans are subject to credit review and underwriting approval. This co-marketed material is shared by each party at its fair-market-value cost consistent with RESPA Section 8; no party pays for referrals and none are required.

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## Instagram

Condo owners and buyers: the financing rules just changed.

What's changing:
✅ July 1, 2026 - new insurance rules (already in effect)
✅ Aug 3, 2026 - every conventional condo loan now gets a full review of the HOA financials (already in effect)
⏳ Jan 1, 2027 - minimum HOA reserves rise from 10% to 15% of the budget

If a building falls short, most buyers cannot get a loan there - sales stall and values soften for every owner. And HOA boards set their 2027 budgets THIS fall.

Patrick L Norman (CrossCountry Mortgage, LLC) and I made a plain-English guide - what changed, what it means, and what owners, buyers, and boards should do now - Link in bio, or DM me and I will send it over.

Selling or buying a condo? Ask about pre-approving the building before you list or write an offer. 💬

#condo #condoliving #hoa #homebuying #firsttimehomebuyer #homebuyertips #mortgagetips #realestate #dmvrealestate #marylandrealestate #virginiarealestate

Angela Warren, TVRG Homes Lic. SP98360398 · Patrick L Norman, CrossCountry Mortgage, LLC NMLS #303097. Equal Housing Opportunity. Educational only - not a loan offer. Co-marketed; each party pays its own fair-market-value share (RESPA Section 8).

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## Notes for Angela

- IG: put https://updates.patricknorman.net/angela/condo-financing-2026/ in your link-in-bio; stories can use the link sticker directly.
- Carousel card order follows social.config.js `cards[]` (cover card first).
- LinkedIn: post `linkedin/single-1200x627.png` as a single-image update, or upload `linkedin/carousel.pdf` as a LinkedIn document post for the full carousel.
- Facebook: `facebook/link-1200x630.png` for a link post, or `facebook/square-1080x1080.png` for a plain image post.
- The page and every rendered asset are cobranded with both of you, equal billing.
- Best posting: FB/LinkedIn morning; tag Patrick L Norman's profile for reach.
