Fannie Mae and Freddie Mac have both made significant changes to their guidelines for approving loans in condominiums and co-ops. This is a real game changer for buyers and sellers alike. Lenders must follow these guidelines in order for loans to be guaranteed in secondary (investor) markets. Loan-originating companies only want to grant mortgages if they can be resold on those secondary markets. Many approvals will be harder to come by. 

So, you found a condo you want to buy. But your ESA (Emotional Support Animal) does not meet the pet restrictions of the Homeowners Association (HOA). Or maybe you already live in a no-pets HOA and now need a furry friend for support. How do you get an Illinois HOA to allow your ESA?