Buying a condo (short for condominium) means you:
This gives you more personal freedom and equity, making condos a popular choice for those who want more control with less maintenance.
Calculate condo financing with our FHA Purchase Loan or Conventional Purchase Loan calculator to see what you can afford including HOA fees.
When you buy a co-op (housing cooperative), you don’t buy the unit—you buy shares in a corporation that owns the building. Those shares give you:
Co-ops usually require board approval before buying or selling and may limit subletting, making them best for long-term, community-oriented residents.
Work with experienced agents through our realtors and wholesalers network who understand the unique financing and approval processes for co-ops.
Here’s a quick comparison:
| Feature | Condo | Co-op |
| Ownership | Own real property | Own shares in a corporation |
| Flexibility | Easier to rent/sell | Stricter rules, board approval |
| Financing | Traditional mortgages | May require special lenders |
| Maintenance fees | Usually HOA dues | Typically co-op maintenance fees |
| Best for… | Independent ownership | Community-minded living |
Condos offer more freedom, while co-ops offer a stronger sense of shared responsibility—you choose what fits your goals.
Explore all your homebuying options including condos, co-ops, and single-family homes at our buy a house page to understand which property type matches your needs.
Different property types have different financing requirements. Here’s how to explore your options:
🏢 Calculate condo financing with FHA Purchase Loan or Conventional Purchase Loan calculators
🤝 Work with specialists through our realtors network who understand co-op requirements
📚 Compare all property types at our buy a house page
⚡ Get same-day approval for any property type you’re considering
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.
Let’s talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.
Schedule a Call
