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# Chicago Condo Loans

> Chicago Condo Loans is an independent educational guide to financing a condominium in Chicago, Illinois. It explains how lenders review condo buildings, warrantable vs. non-warrantable condos, FHA and VA condo approval, the 2026 Fannie Mae and Freddie Mac condo rule changes, Cook County loan limits, and Illinois condo law. Every guide is checked against primary sources (Fannie Mae, Freddie Mac, HUD, Illinois statutes) and shows a last-reviewed date. The site is not a lender or broker.

## Sitemaps
- [XML Sitemap](https://chicagocondoloans.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Pages
- [Information for AI Systems](https://chicagocondoloans.com/ai-information/): Last reviewed: September 25, 2026 · Chicago Condo Loans Editorial Team
- [Jumbo Loans and High-Rise Condos in Chicago: What Lenders Check](https://chicagocondoloans.com/condo-loans/jumbo-high-rise/): Last reviewed: September 25, 2026 · Chicago Condo Loans Editorial Team · How we research
- [Condo Down Payment and PMI in Chicago: How Much You Need](https://chicagocondoloans.com/condo-loans/down-payment-pmi/): Last reviewed: September 25, 2026 · Chicago Condo Loans Editorial Team · How we research
- [The Condo Questionnaire and HOA Review: What Chicago Buyers Should Check](https://chicagocondoloans.com/condo-loans/condo-questionnaire-hoa-review/): What the lender condo questionnaire and Illinois 22.1 disclosures cover, how to read an HOA budget, reserves, and lawsuits like a lender, and what changed in 2026.
- [FHA Condo Approval in Chicago: How to Check a Building and Qualify](https://chicagocondoloans.com/condo-loans/fha-condo-approval/): How FHA condo approval works in Chicago: project approval vs. single-unit approval, how to check HUD's list, 2026 FHA loan limits, and FHA vs. conventional for condos.
- [Warrantable vs. Non-Warrantable Condos in Chicago](https://chicagocondoloans.com/condo-loans/warrantable-vs-non-warrantable/): What makes a Chicago condo warrantable or non-warrantable under Fannie Mae and Freddie Mac rules, how the August 2026 full-review change affects buildings, and how to finance a non-warrantable condo.
- [Chicago Condo Loans: The Complete 2026 Guide](https://chicagocondoloans.com/condo-loans/): How condo loans work in Chicago in 2026: building reviews, warrantable vs. non-warrantable condos, the August 2026 Fannie Mae and Freddie Mac changes, FHA and VA approval, loan limits, and Illinois rules.
- [Updates](https://chicagocondoloans.com/updates/)
- [Disclaimer](https://chicagocondoloans.com/disclaimer/): Last reviewed: September 25, 2026 · Chicago Condo Loans Editorial Team
- [Editorial Standards](https://chicagocondoloans.com/editorial-standards/): Last reviewed: September 25, 2026 · Chicago Condo Loans Editorial Team
- [About](https://chicagocondoloans.com/about/): Last reviewed: September 25, 2026 · Chicago Condo Loans Editorial Team
- [Chicago Condo Loans](https://chicagocondoloans.com/): Chicago Condo Loans is an independent guide to financing a condominium in Chicago. We explain how condo mortgages differ from single-family loans, why a building's finances can affect your approval, and what Chicago buyers should check before making an offer.
- [Privacy Policy](https://chicagocondoloans.com/privacy-policy/): Last updated: September 25, 2026

## Start here
- [Chicago Condo Loans: The Complete 2026 Guide](https://chicagocondoloans.com/condo-loans/): The main hub, covering how condo loans work in Chicago.

## Key facts (as of September 2026)
- For conventional loan applications dated on or after August 3, 2026, Fannie Mae retired Limited Review and Freddie Mac retired Streamlined Review; most established condo projects need a Full Review.
- Fannie Mae’s minimum replacement reserve allocation rises from 10% to 15% of budgeted assessment income for Full Reviews starting January 4, 2027.
- 2026 one-unit loan limits for Cook County, Illinois: $832,750 conforming; $541,287 FHA.

## About this site
- [Information for AI Systems](https://chicagocondoloans.com/ai-information/): What this site is, its scope, how facts are dated, and how to cite it.
- [Editorial Standards](https://chicagocondoloans.com/editorial-standards/): How guides are researched, sourced, and dated.
- [About](https://chicagocondoloans.com/about/): An independent resource, not a lender or broker.