Condo financing cheat sheet
What lenders ask associations for, and items that can limit financing.
- Questionnaire contact
- SIRS & milestone status
- Special assessments
Realtor PortalFor real estate agents
Let’s get your buyers to the closing table, together
I work with South Florida agents who want clear communication, strong pre-approval letters and fewer financing surprises. Here’s how I work, your agent toolkit, and the quickest ways to send me a buyer.
Meet your loan officer
Hi, I’m Brittanny
I’m a Senior Loan Officer with Liberty Mortgage Lending, based in South Florida. I help buyers with owner-occupied home loans anywhere in Florida, and I work with investors on business-purpose loans such as DSCR for Florida rental properties.
My goal with every agent is simple: no surprises, no chasing, and buyers who feel taken care of.
What to expect
What you can count on when we work together
Specific timelines below are being confirmed and will be listed before the site goes live.
Pre-approval turnaround
Buyers ready to shop with a letter you can trust. Pre-approvals in as little as 24 hours once documents are in, and your buyer gets a call and an email walking through their loan options, down payment and estimated monthly payment.
Offer-specific letters
Letters matched to each offer, delivered within 24 hours, including requests that come in evenings and weekends.
Milestone updates
You hear from me at application, appraisal, approval and clear to close, by phone call and email.
Condo checks up front
I look at the building early so deals don’t fall apart late.
Assistance program guidance
I help eligible buyers explore programs like Hometown Heroes (check current availability).
Reachable when it matters
Call or text 954-990-3163. Available weekdays and evenings until 7 pm, and on weekends for your open houses. When you’re working, I’m available.
All loans are for properties located in Florida, including owner-occupied home loans and business-purpose / DSCR investor loans, subject to guidelines.
How it works
Getting started is easy
Book a 30-minute intro
We talk about your business, the buyers you usually work with, and how you like to hear from your lender.
Set up your playbook
We go over letter requests, milestone updates, early condo checks and the buyer handouts in the toolkit, so everything runs the way you like to work.
Send me buyers
Use the referral form below or call or text me. I reach out to your buyer, keep you posted at each milestone, and work toward a smooth closing.
Agent toolkit
Everything in one place
Buyer financing handouts
Print an open house financing handout, pre-approval or first-time buyer tips sheet with my financing info, then download the PDF.
Make a handout →Pre-approval letter request
Need a letter for a specific offer? Send the details here.
Request a letter →Open house & consult resources
Handouts, checklists and the DPA lookup for your buyers.
Get resources →Condo & financing cheat sheets
One-page financing printables.
View cheat sheets →Buyer handouts
Buyer financing handouts
Print a financing handout for your buyers in a few minutes. Pick a handout, add your name, brokerage and phone as a small text line, and download a print-ready, letter-size PDF. Everything stays in your browser. Nothing you enter is sent anywhere.
- Open house financing handout: my loan options and contact info, with the property address as plain text
- Buyer pre-approval: why to get pre-approved before shopping
- First-time buyer tips
Handouts never include rates, payments or loan terms. The handout builder is a free, general tool open to anyone who visits this site; using it doesn’t require, and isn’t tied to, any referral. For any jointly paid co-marketing (printing, ads or events), each party pays its own proportional share. Any co-marketing is subject to Liberty Mortgage Lending, Inc.’s compliance review and RESPA rules.
Pre-approval letters
Request an offer-specific letter
Already working with a buyer I’ve pre-approved? Send the offer details and I’ll prepare an updated letter. I’ll confirm with the buyer before sending.
Updated letters are delivered within 24 hours, including requests that come in evenings and weekends.
Please don’t include the buyer’s Social Security number or account numbers.
Open houses & buyer consults
Resources to share with your buyers
Open house handout
A friendly leave-behind with next steps for buyers, with a line for your name and brokerage.
Open printable →First-time buyer checklist
Every step from getting ready to homestead exemption.
Open checklist →DPA lookup
Programs to ask about by county and city, with official links.
Open the lookup →Documents needed
What buyers should start gathering.
Open checklist →Payment calculator
Taxes, insurance, flood and HOA included. Buyers enter the rate.
Open calculators →Condo Hub
Milestone inspections, SIRS and reserves, explained.
Open the Condo Hub →Cheat sheets
Financing printables
Buyer financing cheat sheet
Common loan types in plain English, with no rates or terms quoted.
- Loan types at a glance
- Stronger financed offers
- Milestone updates
Open house & consult handout
Next steps for buyers, with a line for your name and brokerage.
- Questions to start with
- Hometown Heroes prompt
- Three next steps
Agent FAQ
Questions agents ask me
How quickly can you issue a pre-approval letter?
Pre-approval can take as little as 24 hours once the buyer’s documents are complete. Timing depends on the file. With every pre-approval, your buyer gets a call and an email walking through their loan options, down payment and estimated monthly payment.
Can you update a letter for a specific offer price?
Yes. Use the letter request form below or text me, and you’ll have the updated letter within 24 hours.
Do you lend on condos, including older buildings?
Yes, subject to the building meeting the loan program’s guidelines. Send me the address early and I’ll tell you what I need from the association.
Do you work with down payment assistance programs?
I help buyers explore state, county and city programs. Availability depends on funding and participating-lender status.
Can your investor buyers close in an LLC?
Yes. Investor buyers using business-purpose loans such as DSCR can close in an LLC, subject to guidelines. All of my loans are for Florida properties.
Will you co-market with me?
I’m happy to talk about it. Any co-marketing is never conditioned on referrals, and if we share costs for printing, advertising or an event, each of us pays our own proportional share. All co-marketing follows Liberty’s compliance review and RESPA rules.
What do you need from me to get started?
Just a quick intro call so I can learn how you work: how you like updates, how you handle letter requests, and the kinds of buyers you see most. Then send buyers whenever you’re ready.
Can you help my past clients refinance?
I’m happy to talk with past clients about whether a refinance makes sense for them, and I’ll be honest when it doesn’t. Owner-occupied refinances are for Florida homes. Here’s my plain-English refinance guide.
Do you work with self-employed buyers?
Yes. Self-employed buyers often need a little more documentation, so I like to start early. My self-employed checklist is a good place to begin.
How will I hear about my buyer’s file?
At each milestone, by phone call and email. No chasing.
What clients say about working with me
★★★★★
“She explained everything clearly, stayed on top of every detail, and made what could have been a stressful experience feel smooth and manageable.”
★★★★★
“extremely knowledgeable, responsive and makes sure the loan is processed smoothly!”
★★★★★
“personable, professional, & responsive!”
Refer a buyer
Send me a buyer
I’ll reach out to your buyer, keep you updated, and treat your client the way I’d want my own family treated.
- Mobile (call/text)954-990-3163
- Emailbrittanny.ferguson@libertyml.com
Referrals are never paid or exchanged for anything of value, and nothing on this page, including the handout builder and toolkit, depends on sending referrals.
Work with me
New to working together? Let’s talk.
A quick intro call is the best way to see if we’re a good fit. On the call we’ll cover:
- The buyers you work with most, from first-time and condo buyers to investors
- How you’d like updates and letter requests handled
- Toolkit materials and buyer financing handouts you can use right away
- Any tricky files you’re working on now
Book your intro
A 30-minute intro by phone or video, whichever you prefer.
Or email brittanny.ferguson@libertyml.com
Brittanny Ferguson, Senior Loan Officer, NMLS #2232650 (nmlsconsumeraccess.org) · Liberty Mortgage Lending, Inc., NMLS #131914, 393 NE 5th Ave, Delray Beach, FL 33483 · 954-990-3163 · brittanny.ferguson@libertyml.com · Loans for Florida properties only · Equal Housing Lender · General information only; not a commitment to lend. All loans subject to credit approval, underwriting guidelines, property eligibility and program availability.