I'll make this short. Buyers hoping to purchase a condo in Florida shouldn't even consider using a lender if the loan officer handling their loan is not in Florida. The loan on a Florida condo is as much about the condominium association's worthiness (as defined by the lender) as it is about the borrower's credit. Far too often I see very experienced and capable loan officers from other states fail to close a loan because they weren't able to anticipate the hurdles involved with the Florida condo approval process. A local Florida lender who does condo loans here all the time will be in front of these bumps and will stand a much greater chance of closing the loan and hitting the contract date. The distant loan officer who will fail will assure you that they can do just as good a job as any Florida lender. Don't fall for it. Repeated history tells a much different story.
"Ignorance and confidence are constant companions." __John McAfee