Current assessment amounts and payment status
We confirm the exact monthly or annual dues, any delinquencies on the unit, and whether the account is current through closing.
Service
HOA resale certificate service for title and escrow teams
The resale certificate is the first domino in every HOA-governed closing. We retrieve complete, accurate certificates so your file keeps moving.
What's in a Resale Certificate
A complete resale certificate gives your underwriter and buyer the full picture of the association's financial and legal standing.
Special assessments (current and pending)
We identify any one-time or ongoing special assessments, including pending board votes that could impact the buyer post-closing.
Insurance summary and master policy details
The certificate includes the association's master insurance carrier, coverage limits, and policy expiration to satisfy lender requirements.
Reserve study and financial health overview
We verify reserve funding levels and flag any deferred maintenance or underfunded reserves that could signal future special assessments.
Active violations, litigation, and rule changes
We surface any open violations on the property, pending litigation against the association, and recent amendments that affect ownership rights.
Why Resale Certificates Get Delayed
Understanding the common bottlenecks helps explain why even simple requests can stretch from days into weeks.
Wrong contact or outdated management company
Management companies change. Board members turnover. Sending the request to the wrong inbox is the most common source of delay.
Portal login requirements and access issues
Many associations now use third-party portals that require registration, verification, and specific upload formats before the request is accepted.
Incomplete requests or missing fees
A request missing the authorization form, resale fee, or specific state-required disclosure will sit in a queue until someone flags the gap.
Self-managed associations with no staff
Volunteer board members handle document requests in their spare time. Without dedicated staff, response times are unpredictable.
State-mandated delivery windows (10-30 days)
Some states legally permit associations ten to thirty days to respond. Relying on the statutory window alone can blow a closing timeline.
How We Speed Up Retrieval
Our process is designed to remove friction at every step so title teams get certificates faster than going direct.
Direct relationships with top management companies
We maintain active contact lists and relationship channels with the largest management companies nationwide to bypass generic intake queues.
Multi-channel follow-up (phone, email, portal)
We do not wait for a single channel. We follow up across every available contact method on a structured cadence until the certificate is in hand.
Rush processing for tight deadlines
When a closing is days away, we escalate the request through priority channels and increase follow-up frequency until delivery is confirmed.
Backup contacts for unresponsive associations
If the primary contact goes silent, we immediately route to alternate contacts, board members, or former management to keep momentum.
Experience with all 50 state requirements
Every state has different disclosure rules, fee structures, and delivery windows. We know the local requirements and build them into every request.
Complete Package Options
Order exactly what your file needs, from the certificate alone to a full lender disclosure package.
Resale certificate only
The standard document confirming account status, assessments, and association standing. Ideal when the lender only requires the certificate.
Certificate + estoppel letter
Add a formal estoppel letter for added legal protection, confirming the exact balance and status as of a specific date.
Certificate + governing documents (CC&Rs, bylaws)
Bundle the resale certificate with the full set of governing documents so the buyer and lender have complete visibility into association rules.
Full disclosure package (everything the lender needs)
The complete set: resale certificate, estoppel, governing documents, financials, reserve study, and insurance summary in one organized delivery.
Get Started
Send the details and move the HOA task off your plate.
Route the request here and get updates until delivery without the repeated follow-up.