How long does it take to get a condo project approved using HRAP and where do I send the documents?

HUD Review and Approval Process (HRAP) condo project requests are processed by the jurisdictional FHA Homeownership Center (HOC). HRAP requests meeting the requirements described in Mortgagee Letter (ML) 11-22 & Attachment (Condominium Project Approval and Processing Guide), ML 12-18, ML 15-27, and ML 16-15 may be submitted to the HOC for review.  HUD does not charge a fee for the review of a condominium project approval request.

“Initial” and “Reconsideration” processing times are 30 calendar days from package receipt date, subject to available resources and volume of project approval submissions.

Applications may be submitted by a lender, builder, developer, HOA, Management Company, Project Consultant or Attorney acting as agent for the entity. Applications from borrowers, homeowners, sellers or realtors will not be processed and will be returned, but HUD may determine on a case by case basis that alternative sources of submission are appropriate.

To identify the jurisdictional HOC for the state where the condominium project is located go to

-HUD Atlanta Homeownership Center
Attn: Processing & Underwriting - Condo Project Approval
Five Points Plaza
40 Marietta Street
Atlanta, GA 30303-2806

-HUD Denver Homeownership Center
Technical Support Branch, 21st Fl
1670 Broadway
Denver, CO 80202-4801

-HUD Philadelphia Homeownership Center
Attn: Processing and Underwriting - Condo Project Approval
The Wanamaker Building
100 Penn Square East
Philadelphia, PA 19107-3389

-HUD Santa Ana Homeownership Center
Attn: Condo Project Processing
Santa Ana Federal Building
34 Civic Center Plaza, Room 7015
Santa Ana, CA 92701-4003

For more information regarding condominium projects refer to:
  • The FHA Condominium Mortgage Insurance page at
  • Mortgagee Letter (ML) 11-22 and Condominium Project Approval and Processing Guide
  • ML 12-18 Temporary Approval Provisions for FHA Condominium Project Approval
  • ML 15-27 Additional Temporary Approval Provisions for FHA Condominium Project Approval  
  • ML 16-15 FHA Condominium Project Approval – Owner Occupancy Requirements 
  • Note:  The Temporary Provisions in ML 12-18 and ML 15-27, as modified by ML 2016-15, are effective until HUD publishes and implements the Final Rule of Condominium Project Approval through publication of the Condominium Project Approval Section of HUD Handbook 4000.1, as extended by ML 2017-13.
Mortgagee Letters are available at

To search for approved condominiums please visit

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-02373