What are the FHA condominium project recertification requirements and where can I find them?

The guidance in this FAQ is effective for case numbers assigned on or after October 15th, 2019.

Condominium Project approvals will expire three years from the date of placement on the list of approved condominiums. Further participation in the program after the three-year period has expired will require recertification to determine whether the project is still in compliance with HUD’s project eligibility requirements and that no conditions exist which would present an unacceptable risk to FHA.

The Recertification Review can be performed no earlier than six months prior to the Approved Condominium Project expiration date or no later than six months after the Approved Condominium Project expiration date. If not submitted within the stated time frames, the Condominium Project is not eligible for recertification but must re-apply for Full Review.

For a Recertification Review, all required documentation must be submitted as specified in Condominium Project Approval section (Handbook 4000.1, II.C) except the following documents:

  • Recorded Covenants, Conditions, and Restrictions (CC&Rs), declaration, and/or master deed, and all amendments;
  • Recorded plat map or condominium site plans;
  • Signed and adopted bylaws; and
  • Articles of incorporation, articles of association, declaration of trust, or other governing documents, if applicable and as required by state law.
If amendments have been made to the foregoing documents, they must be submitted.

If approval was issued under Legal Phasing, all required documentation required in Handbook 4000.1, Section II.C.2.b must be submitted except as noted above.

Eligible processing options include the HUD Review and Approval Process (HRAP) performed by the jurisdictional Homeownership Center (HOC), or the Direct Endorsement Lender Review and Approval Process (DELRAP) performed by the Mortgagee. The HOC and Mortgagee must process the recertification of a project’s approval following the requirements described in Handbook 4000.1.

Recertification packages being submitted via HRAP must be submitted to the jurisdictional Homeownership Center (HOC) by one of the following:
  • Mortgagee;
  • Builder;
  • Developer;
  • Condominium Association;
  • Management Company;
  • Project Consultant; or
  • Attorney acting as an agent for the developer/builder, Condominium Association or management company.
FHA will not pay any fees associated with the Condominium Project Recertification process.

Additional information regarding Condominium Project Recertification refer to: Handbook 4000.1, Section II.C.3 and II.C.2.b. available at: https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

For more information regarding condominium projects refer to:

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-05134