Chloe de Verrier Real Estate

Chloe de Verrier Real Estate Full Service Realtor®, National Speaker and Social Media Expert who does a lot more than just open the door. Relationship focused.

Empowering buyers, sellers and investors with their goals through education, market guidance and strong negotiation tactics.

It’s one thing to read about the challenges of the new condo lending guidelines, and another thing to experience them fi...
10/05/2026

It’s one thing to read about the challenges of the new condo lending guidelines, and another thing to experience them firsthand. On paper, this condo seemed like the perfect candidate: extremely well maintained, steel and concrete construction, no balcony inspection issues or requirements, a responsive HOA, and over $280,000 in reserves.
But when we were 90% of the way to the finish line and ready to close, we got the dreaded HOA rejection from the underwriter.

My first time home buyers were devastated, the sellers frustrated, and it seemed like the deal was dead.

After many late nights, brainstorming creative ways to get approval, bringing in a CPA, and restructuring the HOA’s entire budget and financials, we were able to reverse the lender’s decision and secure full project approval - not just for this sale, but for future sales in the building as well.

This is exactly why who you work with matters. Congratulations to my wonderful clients and their exciting new chapter! 🥂

09/16/2026

Seems self explanatory… but don’t just assume you’re building on your own land.

This seller somehow built a pool halfway across their yard… and halfway across their neighbor’s.

Here’s the important part: LADBS is responsible for making sure your plans and construction comply with building codes, but they’re not responsible for confirming that you’re building within your actual property lines.

That’s where your survey, contractor, and project team come in.

A very expensive lesson here!

Thinking about moving? Schedule a no-obligation consultation 💫

Chloe de Verrier
Coldwell Banker Real Estate
📲 Direct: 310.890.9656
[email protected]

The condo market is already under pressure, and it’s about to face another major shift. For the first time, beginning Au...
07/28/2026

The condo market is already under pressure, and it’s about to face another major shift. 

For the first time, beginning August 3, 2026, every conventional condo loan in a building with 10+ units will require a full review of a building’s actual financial health. Up until now, approximately 80% of conventional condo loans have been approved under limited review (meaning no financial review). Moving forward, lenders will now be required to perform a mandatory full lender questionnaire.

That means reviewing: 
• HOA financial statements 
• Operating budgets 
• Reserve funding 
• Delinquency rates 
• And other key project level risk factors 

It’s suspected that approximately 75% of the buildings approved to date under limited review would not pass the new Fannie Mae and Freddie Mac lending guidelines starting August 3rd.

If a building does not receive approval, it may be deemed non-warrantable, making financing much more difficult. Buyers may be limited to cash purchases, hard money loans, or higher cost loan programs through private investors willing to make an exception, reducing the pool of qualified buyers. 

For condo sellers, this could mean: 
• Longer underwriting timelines 
• Greater uncertainty during escrow 
• Financing falling through because of the HOA - not the buyer 
• Potential challenges for all future building sales if the project loses warrantable status 

Some additional condo market trends to know: 
📈 Condo inventory has increased more than 80% since mid-2022
🏢 70% of HOAs are underfunded 
💰 65% of HOAs have issued a special assessment in the last 5 years or expecting one in the next 5 

Whether you’re thinking about buying or selling a condo, understanding your HOA’s financial position is becoming just as important as understanding the property itself. If you’re considering a condo purchase or sale and want to understand how these changes could impact you, I’m happy to help you navigate what’s ahead. Call or text me at anytime.

Chloe de Verrier
Coldwell Banker
📲 Direct: 310.890.9656
📧 [email protected]

Catch the sunset every night 🌅✨Welcome to 1705 Ocean Ave #312 - a beautiful condo with park views from every window, ju...
07/23/2026

Catch the sunset every night 🌅✨

Welcome to 1705 Ocean Ave #312 - a beautiful condo with park views from every window, just moments from the iconic Santa Monica Beach.

📍1705 Ocean Ave #312
Offered at $1,149,000

Call/text me for more details and to schedule a private showing!

Chloe de Verrier
Coldwell Banker
📲 Direct: 310.890.9656

NEW LISTING | OPEN HOUSE SCHEDULE 💫Stop by and discover this exceptional opportunity to own a nearly 10,000 sqft R2 lot ...
06/25/2026

NEW LISTING | OPEN HOUSE SCHEDULE 💫
Stop by and discover this exceptional opportunity to own a nearly 10,000 sqft R2 lot in Lennox - a rare find with many possibilities!

Where? 10917 S Osage Ave
Open House Schedule:
Friday 6/26 12-2 PM
Sunday 6/28 2-5 PM

Offered at $699,000
3 Bed | 1 Bath | 1,190 SqFt
Lot: 9,923 SqFt

For more information, call or text me:
Chloe de Verrier
Coldwell Banker Real Estate
📲 Direct: (310) 890-9656

06/24/2026

N E W L I S T I N G 💫 Located in the heart of Lennox, this is a rare opportunity to own a nearly 10,000 square foot flat lot with desirable R2 zoning, offering exciting future development potential. Per the County of Los Angeles Department of Regional Planning, the site may allow for the development of up to five primary units, five detached ADUs, and one attached ADU (11 units total), creating exciting possibilities for expansion, income generation, multi-generational living, or redevelopment.

10917 S Osage Ave
3 Bed, 1 Bath, 1,190 SqFt
Lot: 9,926 SqFT
Offered at $699,000

Call/Text for more details:
Chloe de Verrier
Coldwell Banker Real Estate
📲 (310) 890-9656

I had the privilege of helping my first-time buyer clients (a split UCLA/USC household 😆 go bruins) secure this beautifu...
06/10/2026

I had the privilege of helping my first-time buyer clients (a split UCLA/USC household 😆 go bruins) secure this beautiful townhome while competing against 3 other aggressive offers.

In a competitive market, communication matters. Relationships matter. Yes, we put together a strong offer, but this one ultimately came down to the relationship and trust I was able to build with the listing side early in the negotiation process.

I couldn’t be happier for my clients as they begin this new chapter of their lives. Cheers to the many core memories to come! 💫

I had the privilege of helping my first-time buyer clients (a split UCLA/USC household 😆 go bruins) secure this beautifu...
06/10/2026

I had the privilege of helping my first-time buyer clients (a split UCLA/USC household 😆 go bruins) secure this beautiful townhome while competing against 3 other aggressive offers.

In a competitive market, communication matters. Relationships matter. Yes, we put together a strong offer, but this one ultimately came down to the relationship and trust I was able to build with the listing side early in the negotiation process.

I couldn’t be happier for my clients as they begin this new chapter of their lives. Cheers to the many core memories to come! 💫

Feeling incredibly grateful to share that I’ve been recognized by RealTrends Verified and ranked among the Top 1.5% of r...
06/05/2026

Feeling incredibly grateful to share that I’ve been recognized by RealTrends Verified and ranked among the Top 1.5% of real estate professionals in the country.

A heartfelt thank you to my incredible clients for your trust, and to everyone who has supported me throughout the years. Your confidence, referrals, and encouragement mean more than you know. Looking forward to what’s to come and I’m excited to continue serving our wonderful community 🤍

05/21/2026

Behind the scenes before a photoshoot 📸 Attention to detail is everything. Professional photography creates the first impression that can make all the difference in a successful sale. I always block off an hour for prep to make sure every detail is just right.

And on that note… a special new listing is coming very soon 👀

Address

11661 San Vicente Boulevard Fl 10
Los Angeles, CA
90049

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