What changed for Miami condo loans on August 3, 2026?
Fannie Mae and Freddie Mac retired Limited/Streamlined Review — the shortcut where a big down payment skipped the deep building review. Every conventional application on an 11+ unit Miami building now gets the Full Review (reserves, insurance, repairs, the structural questionnaire). FHA and VA are unaffected. If you're mid-deal, the application date on your file suddenly matters enormously.
Read from HUD’s condominium list, the VA condominium report, FL DBPR filings and county registry and building records, compiled 2026-08-08. Figures describe what was on file that day; a missing filing is recorded as unconfirmed rather than as a finding, and conventional (Fannie/Freddie) standing is not publishable in either direction.
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