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HOA liens and title insurance: what title teams must know
HOA liens threaten title insurance coverage, delay closings, and survive foreclosure. Learn how title teams identify, clear, and insure against them.
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Risk articles
Articles about risk assessment and mitigation in HOA transactions.
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HOA Resale Certificates for Refinancing: What Lenders Actually Require
Refinancing an HOA property requires different documentation than a purchase. Here is what title teams need to know about lender requirements for refinance transactions.
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HOA lien searches: why title companies can't skip this step
An HOA lien can survive closing, cloud title, and expose the title company to claims that standard searches do not always catch without deliberate HOA-specific ver...
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How to Verify HOA Insurance Coverage for Closing: A 5-Minute Checklist
Lenders and underwriters reject files over insurance gaps. This checklist helps title agents verify HOA master policy coverage, spot red flags, and communicate iss...
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HOA reserve studies and their impact on property sales and closings
HOA reserve studies impact property sales, mortgage approval, and closing timelines. Learn what title teams, lenders, and buyers must verify before closing.
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Condo vs single-family HOA documents: what closing teams must know
A condominium transaction is not just an HOA transaction with a different building type. It is a fundamentally different review process with additional ...
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Savannah HOA Documents: Georgia Title Team Guide
A guide to Savannah HOA documents for Georgia title teams. Covers the Georgia POA Act, historic districts, coastal flooding insurance, and Tybee Island HOAs.
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HOA Insurance Gaps That Can Stall Closing
How underinsured or lapsed HOA policies affect title clearance, lender approval, and closing timelines, and what title teams should verify early.
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New construction closings: HOA document pitfalls buyers and title teams miss
New construction HOA document requirements for title teams, realtors, and buyers. Learn builder pitfalls, missing disclosures, and closing checklists.
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How to Challenge and Correct an Inaccurate HOA Resale Certificate
When a resale certificate contains errors, title teams need a structured process to dispute the inaccuracies, obtain corrections, and keep the closing on track.
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How to Handle HOA Documents for REO and Foreclosure Closings
REO and foreclosure transactions introduce unique HOA document challenges. Title agents must navigate unpaid assessments, lien priority, and compressed timelines.
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What happens if you close without HOA documents and how to recover
Missing HOA documents at closing is not just an administrative oversight. It is a transaction risk that can expose title companies, lenders, and buyers to legal, ...
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Colorado HOA Document Requirements: What Title Teams Must Know
Colorado HOA resale certificate guide under CCIOA. 30-day governing document rule, budget disclosure, special assessments, and Denver-area compliance for title teams.
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HOA financial red flags that can kill a closing before it starts
The resale certificate looks complete, but the numbers inside it tell a story that can end the transaction before the closing date is ever scheduled.
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HOA Bankruptcy and Receivership: What Title Agents Must Know
When an HOA enters bankruptcy or receivership, property transfers become legally complex. Title agents must understand authority, stays, and insurance implications.