Condo approvals do vary among the agencies. FHA does not follow FNMA.
There has been no recent changes to the 10% ownership guideline, however this can vary based on the equity position and the need for a streamline or a full approval.
For instance on some new construction it is accepted since the developer owns more.
If the loan being refinanced was put into place prior to 5/31/2009, and is a FNMA or Freddie Mac owned loan, it may also qualify for an affordable home product. This will not have an issue with the 10% single owner. If these are not an option I would suggest your blogger contact either Johnson Bank or Associated Bank. Both of these lenders offer what is called non-warrantable condo financing.