FHA Condo

Are you searching for FHA-approved condos or need FHA condo approval for your association? Then, look no further because I am here to assist you every step of the way. With my expertise in the field, I specialize in providing comprehensive resources and services designed to help you navigate the complex world of FHA-approved condominiums. Please take a moment to explore my page, where you will find a wealth of resources tailored to your needs. And if you have any questions or require further assistance, don’t hesitate to contact me. I provide personalized support to help you achieve and maintain FHA condo approval and unlock the benefits it offers for your community.

Summit House in PA an FHA Approved Community
Summit House in PA an FHA Approved Community

How do I search for FHA Approved Communities?

The Department of Housing of Urban Development’s (HUD) is the official site to determine your Condo Community’s status. Enter your condo name and state, press send- link to HUD, or contact me.


Marianne was referred to me to assist with getting our FHA Approval renewed for our Condominium. She was very proactive, diligent and effective in her execution and I would be happy to recommend her for other communities in similar situations. Marianne provided fair pricing; went above and beyond with submission of our application; kept me constantly informed of our status; and continued her efforts until the approval was provided. Thank you Marianne!”

Brad Giresi

President at GiresiDesign, LLC

Is my association eligible for FHA Condo approval?

​To be eligible for FHA approval, condominium communities must meet a set of requirements set by the Federal Housing Administration. Some of the essential requirements include:​

  • Owner-occupancy ratio: The community must be 50% or more owner-occupied.
  • Delinquency Rate: FHA limits the percentage of units within the community that can be more than 60 days delinquent on their homeowner association (HOA) fees. Typically, the delinquency rate should be below 15%.​
  • Financial stability: requires the community to maintain adequate reserves and insurance coverage while ensuring effective budget management.
  • Legal compliance: The community must comply with all local and state laws and FHA regulations.​
  • Physical condition: The community must be in good physical condition, with no significant structural issues or safety hazards.​
  • No pending litigation: There must be no ongoing litigation involving the community.​ Exceptions may apply.
  • Insurance: The community must have appropriate hazard and liability insurance coverage.​
  • Documentation: The community must provide specific documentation, such as the master insurance policy, budget, bylaws, and association meeting minutes, to support the FHA approval application.​
  • Limited Commercial Use: No more than 25 percent of a condominium project’s total floor space can be used for commercial purposes.
  • No Nearby Hazards: FHA takes into consideration geographical and environmental factors beyond the unit and building. Hazards that could affect approval include some landfills, fire hazards, and proximity to roadways and other obvious hazards.


I contacted Marianne Holt after noticing her business model on LinkedIn. I’m in the Myrtle Beach, SC area, where builders never seek FHA approval during construction, and very few real estate agents even understand the value of a project having FHA approval. To say the management companies are difficult to work with is a huge understatement, so it took some convincing to even get a returned phone call from the condo management company. Once they answered a few simple questions, Marianne was able to determine the “approvability” of the project (Stonegate @ Prince Creek) and proceed with the approval process. Just as she estimated, project approval was received within 30 days, and we were able to proceed with a HECM loan for a homeowner.
Marianne is truly a professional when it comes to the knowledge of the FHA condo approval process—as well as her handling the communication with condo management companies.

David Stacy

NMLS #399069

Reverse Mortgage Specialist at NewFed Mortgage

What documents do I need to provide for FHA Condo Approval?

  • Condominium Legal Documents: You must provide copies of the condominium’s legal documents, including the declaration, bylaws, articles of incorporation, and any amendments. These documents outline the condominium’s rules, regulations, and governance structure.
  • Homeowners Association (HOA) Documents: If the condominium has an HOA, you may need to provide additional documents such as the HOA’s financial statements, budget, and rules and regulations.
  • Financial Statements: You must provide the condominium’s financial statements, including the balance sheet, income statement, and cash flow statement, to demonstrate the project’s financial stability.
  • Insurance Information: Provide proof of insurance coverage for the condominium project, including general liability and property insurance.
  • Budget and Reserve Study: You should include a detailed budget outlining the condominium project’s projected income and expenses. In addition, HUD may request a reserve study to assess the adequacy of the reserve funds for future maintenance and repair expenses.
  • Occupancy and Unit Ownership Information: Provide information about the occupancy of the units within the condominium, including the number of owner-occupied and rental units. You may also need to provide documentation on the percentage of units owned by a single entity or investor.
  • Legal Compliance Documentation: You must demonstrate compliance with local and state laws, including zoning regulations, building codes, and any other applicable laws or ordinances.
  • Litigation and Delinquency Information: Provide information on any pending litigation or legal disputes involving the condominium project. Additionally, you may need to provide details on the percentage of delinquent unit owners on their assessments.

For new or under construction condo communities:

  • Specific requirements: may vary, the following standard documents are typically necessary, including professional certifications from individuals involved in the condominium project, such as architects, engineers, and property managers.
  • Additional documentation: Depending on the specific requirements of the FHA certification. These may include copies of meeting minutes, rental restrictions, or environmental reports.

These requirements may vary; I can help you determine which documents you must provide for your community. 


Marianne Holt turned around FHA Condo approval for Trillium Crossing, a 9 unit condo project in Ann Arbor) in approximately 30 days. She was professional, worked efficiently and charged a reasonable fee. I recommend Marianne to any real estate developer, condo project manager or realtor working to get a project FHA approved.

Wilkin Lai

Managing Broker at RIC3 Mortgage Broker & Director/Project Framer at Creative Community Service Network

How much does it cost to hire someone to process my FHA Condo Approval or Recertification submission?

My fee varies from $595.00 to $895.00. Upon deciding to work with me, a non-refundable deposit of $150.00 due immediately. The remaining amount is due only after I have successfully obtained FHA approval or recertification for your condo community.

I will analyze your documentation and data required to submit your condominium project to HUD for approval or recertification.        

  • ​Analyze your community’s documents to determine if it meets HUD’s guidelines.
  • Complete HUD Condominium Approval Cover Letter/Document
  • Complete HUD Project Certification
  • Submit your complete Package to HUD for review
  • Communicate with HUD’s staff to fulfill all requirements needed for approval
  • Keep you informed of our progress

Note: HUD requires Condo Communities to obtain recertification once every three years; I will securely store your documents to help expedite your future approvals and follow up with you before the expiration date so your FHA approval will stay active.

In addition to my FHA approval and recertification services, I also offer social media acknowledgments as a bonus. I’ll create engaging posts highlighting your association’s achievements, including its FHA approval status, amenities, and community events. These posts will help showcase your association’s success and attract more buyers.

To learn more about FHA Approved Condos and the FHA Approval or Recertification process: Contact Me, Marianne Holt, FKA, FHA Condo Reviewers, LLC

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