Matthew Holbrook sits down with mortgage advisor John Farrell to break down how SB 326, the Balcony Bill, is reshaping condo sales across California. They explore why inspections can derail a sale, how Fannie Mae and Freddie Mac evaluate HOA risk, and why some communities are seeing major price shifts.

If you are on a board, buying a condo or managing an HOA, this episode helps you understand the financial pressure points created by the law and how to navigate them.

Topics Covered:

• How SB 326 inspections affect lending

• Why financing can collapse even when the unit is fine

• Reserve funding issues and shortfalls

• Declined lists for condos

• Special assessments and HOA loans

• Cash buyers vs. conventional buyers

• How healthy HOAs maintain home values

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