Who offers non-Fannie Mae loans?

We are under contract for a condo built in 1999, which has 3 ground floor commercial units below 13 residential units. We are having a hard time finding a lender who will underwrite the loan because the square footage of the commercial space exceeds the Fannie Mae guideline of 20% (it's 21.7%), even though our own credit scores and finances are solid.From what I've been told, the only lenders who will underwrite a loan for this unit are those who sell to Freddie Mac (whose version of the rule allows up to 25% commercial space) or those who keep the loan in-house.Does anyone know how I can find a list of lenders that fall into this category (short of calling dozens and dozens of banks individually)? by caping_207_676 from Seattle, Washington. Sep 2nd 2011 Reply