Yes, regularly, and condos are where it happens most, because the lender underwrites the project along with you. On an attached home, agency project review looks well beyond your own file: - Budget and reserves. Reviewers want a funded replacement-reserve line, generally around 10% of the budget, and underfunding is a red flag. - Owner occupancy. Too many rentals can sink eligibility. - Litigation and special assessments. Pending lawsuits and large assessments both draw scrutiny. - Deferred maintenance. Since the Surfside collapse, Fannie Mae and Freddie Mac review critical repairs and special assessments as a standard part of project approval. That started as temporary guidance in 2022 and stuck. - Master insurance. If the project's policy falls short of Fannie Mae, Freddie Mac, FHA, or VA requirements, the loan can be denied no matter how strong the borrower is. Florida has been a notable example as associations grapple with coverage costs and reserve rules. The practical takeaway: when you buy a condo or planned-development home, the association's financial and insurance health is part of your loan approval. Request the budget, the reserve study, and the master insurance details early, because discovering a project is not warrantable after you are under contract is a painful way to lose time and money. We can check a project's likely lender eligibility before you get too far in. That is worth doing in the free Roadmap conversation.