Florida legislation · 2026 Regular Session
Florida S1794: Condominium Lending Guidelines
Status: Failed, March 13, 2026
Urging the alignment of condominium lending guidelines among all states and eliminating the disproportionate down payment requirements that uniquely burden Florida homeowners, etc.
What the bill says
A resolution urging the alignment of condominium lending guidelines among all states and eliminating the disproportionate down payment requirements that uniquely burden Florida homeowners.
From the introduced text, February 9, 2026:
A resolution urging the alignment of condominium lending guidelines among all states and eliminating the disproportionate down payment requirements that uniquely burden Florida homeowners. WHEREAS, the Federal National Mortgage Association, in its 2025 Selling Guide, establishes that attached units in established condominium projects located in this state which are principal residences are subject to a maximum loan-to-value (LTV) ratio of 75 percent under a lender-limited review, and WHEREAS, that same guide allows attached units in established condominium projects located outside of this state to qualify for financing with a maximum LTV ratio of 90 percent under identical review criteria, and WHEREAS, condominiums are the most common form of attached dwellings and represent a path to first-time homeownership in many urban areas across this state, and WHEREAS, requiring a 25 percent down payment on such properties places homeownership beyond the reach of countless working families and young buyers, forcing them to delay or abandon their pursuit of the American Dream, and WHEREAS, these disproportionate and geographically selective lending restrictions have adversely affected millions of Floridians, constraining access to credit, limiting economic mobility, and reducing real estate market activity that fuels local economies, and WHEREAS, this disparate treatment has resulted in significant economic consequences, including diminished condominium sales, reduced property tax revenues, and lost opportunities for generational wealth creation throughout this state, …
Sponsors
- Rodriguez, Ana (R, SD-040) · primary sponsor
- Jenna Persons-Mulicka (R, 78) · primary sponsor
Latest actions
- : Died, not introduced
- : Filed
Common questions
- What is S1794?
- S1794 is a bill in the Florida Legislature (2026 Regular Session): Condominium Lending Guidelines.
- What does S1794 do?
- In its own words: A resolution urging the alignment of condominium lending guidelines among all states and eliminating the disproportionate down payment requirements that uniquely burden Florida homeowners.
- What is the status of S1794?
- Failed as of March 13, 2026. Latest action: Died, not introduced (March 13, 2026).
- Who sponsored S1794?
- Rodriguez, Ana (R, SD-040), with 1 co-sponsor.
- Where is the official record for S1794?
- On the Florida Legislature website: https://www.flsenate.gov/Session/Bill/2026/1794
Source: official Florida record. Tracked by Delilah, AI for legislation across all 50 states and Congress.