Navigating Zoning Challenges and Co-Signer Support

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CLIENT: Julia, a 26-year-old first-time homebuyer

LOCATION: Single-family home with an oversized commercial-zoned garage

CHALLENGE: Finding a mortgage program for a unique property type with parent co-signing to qualify

Navigating Zoning Challenges and Co-Signer Support

Julia, a 26-year-old first-time homebuyer, found her ideal property—a charming single-family home featuring an oversized garage zoned for commercial use. However, this unique zoning presented a significant challenge in securing a mortgage. Traditional lenders were hesitant to approve financing for a property with mixed residential and commercial zoning, leaving Julia uncertain about her options.

Determined to overcome this hurdle, Julia sought the expertise of Kate Garabedian of Keys with KG. Known for her ability to handle challenging lending situations, Kate took on the task of finding a suitable mortgage program for Julia's unique property. Additionally, Julia's parents were willing to co-sign to help her qualify for the mortgage, adding another layer of complexity to the process.

Kate's extensive knowledge and resourcefulness led her to identify a specialized mortgage program that accommodated properties with commercial zoning. She carefully guided Julia through the application process, ensuring all necessary documentation was in order and leveraging her parents' co-signing support to strengthen the application.

Thanks to Kate’s dedication and innovative approach, Julia successfully secured the mortgage for her dream home. She was able to move into her new property, benefiting from both the residential space and the potential of the commercial-zoned garage. Kate's expertise turned a seemingly impossible situation into a successful home purchase, providing Julia with the opportunity to start her homeownership journey.

Case Studies