Water Gardens Condo Loans
Water Gardens offers a landscaped condominium setting in Fullerton, where greenbelts and water features give the community its distinctive character. Residents can enjoy the shared pools and spas or relax on private patios in select condos. The combination of outdoor spaces and nearby dining, shopping, and entertainment makes the community convenient for both quiet evenings and outings around town.
Water Gardens is also considered a non-warrantable condo project, which can limit financing with many traditional lenders. At Pizarro Mortgage, we specialize in non-warrantable condo financing and help buyers navigate both the financing process and purchase strategy when buying in the building.
About Water Gardens
2940 Pembroke Court
Fullerton, CA 92831
Water Gardens is located near North Placentia Avenue and Garnet Lane in Fullerton, California 92831, in Orange County. The community is close to Cal State Fullerton and provides access to downtown Fullerton, Brea Mall, restaurants, shopping, and entertainment. Nearby freeway connections also provide routes to surrounding Orange County communities.
Water Gardens is a 200-unit condominium community offering two- and three-bedroom condos, including multilevel layouts. Community amenities include swimming pools, spas, landscaped greenbelts, and shared outdoor cooking areas. Individual condos vary in design and finishes, with features such as private patios, balconies, fireplaces, vaulted ceilings, attached garages, and in-garage laundry hookups documented in property listings.
Price: $600K – $760K
HOA Dues: $400 – $500/mo
Water Gardens Amenities
Pool & Spa
Resort style pools & spa
Scenic Walkways
Scenic walkways for residents
Dining & Shops
Restaurant & shops nearby
Water Gardens Condos for Sale & Financing
Browse the latest Water Gardens condos for sale in Fullerton. Listings update automatically, making it easy to explore available condos, compare prices, and learn about financing options before scheduling a showing.
Water Gardens Loan Options
For buyers purchasing in Water Gardens, specialized non-warrantable condo financing may provide more flexible options than traditional condo loans.
Condo Purchase
Primary, second home & investment condo loans
Condo Refinance
Rate & term and cash-out refinance solutions
Condo HELOC
Access condo equity without refinancing
Alternative Loans
Bank statement, asset-based & DSCR financing
Non-Warrantable Condo Financing Features
Specialized financing for Water Gardens, including options that many traditional lenders don't offer.
15% Down Available
Loan Amounts Up to $5M
Bank Statement Programs
Repair Issues Accepted
Litigation Accepted
Budget Issues Accepted
Primary Residence
Second Home
Investment Property
How We Help Water Gardens Buyers
Pre-Approval Review
Review credit, income, and assets so you can shop confidently.
Condo Project Review
Review HOA, litigation, budget, reserves and condo project eligibility.
Offer Strategy
Help structure a competitive offer with financing in mind.
Financing + Guidance
One point of contact for financing and purchase guidance.
Frequently Asked Questions
Yes. Water Gardens is generally considered a non-warrantable condo project, which may limit financing with some traditional lenders.
Yes. Financing options may still be available depending on the condo project review, borrower profile, and loan program.
Water Gardens offers two- and three-bedroom condos. Pricing varies based on the floor plan, square footage, location within the community, views, condition, upgrades, and current market conditions. Browse the live Water Gardens condo listings above to see the latest condos available and current asking prices.
Down payment requirements vary depending on the financing program and borrower profile.
Yes. Investment financing options may be available depending on the loan program and condo project review.
In some cases, yes. Condo HELOC options may be available depending on borrower profile and project eligibility.
Yes. Because Pizarro Mortgage is also a real estate brokerage, we can help guide buyers through both financing and the purchase process.
Working with a lender familiar with non-warrantable condos and condo project financing may help avoid surprises during escrow.
Ready to buy at Water Gardens?
Whether you're purchasing your first condo, a second home, or an investment property, we'll help you understand your financing options before you make an offer.
