Comprehensive association financial verification that prevents costly surprises at closing. Our streamlined service delivers accurate documentation from HOAs and condo associations throughout Florida.
• Undisclosed HOA debts become the buyer's responsibility after closing
• Associations often provide incomplete or outdated financial information
• Direct requests face lengthy delays and administrative hurdles
• Missing assessment information can derail financing at the last minute
• Unexpected special assessments can appear without proper verification
Comprehensive Documentation of All Financial Obligations
We handle the entire HOA/condo estoppel process, ensuring you receive accurate, binding documentation of all financial obligations—delivered through our real-time portal before you commit to purchase.
Our HOA Estoppel Services Include:
• Association Fee Verification - Current monthly/quarterly dues and payment schedules
• Outstanding Balance Documentation - Any unpaid regular assessments or late fees
• Special Assessment Investigation - Current and upcoming special assessments
• Rules & Regulations Review - Current association bylaws and restrictions
• Violation Documentation - Outstanding compliance issues that could result in fines
• Transfer Fee Calculation - All required fees for property transfer and new ownership
• DERM Verification - Miami-Dade stormwater utility fees and outstanding obligations
Binding Documentation
Receive legally binding documentation that protects buyers from inheriting seller's debts.
Complete Disclosure
Uncover all financial obligations before committing to purchase—no surprises at closing.
Accelerated Processing
Our established relationships with association management companies expedite document delivery.
Expert Analysis
Our specialists review estoppel documents to identify potential red flags and financial concerns.
1. Submit Association Details - Provide property address and HOA/condo association information
2. Association Contact - Our team submits formal request to the association management
3. Document Retrieval - We follow up to ensure timely delivery of complete documentation
4. Expert Review - Our specialists analyze estoppel information for completeness and concerns
5. Secure Delivery - Access the complete estoppel package through our online portal
Standard Timeline: 10-15 business days
Expedited Options: Available for qualifying associations (additional fees may apply)
"The estoppel request revealed a $5,000 special assessment that hadn't been disclosed by the seller. This discovery saved us from inheriting that unexpected cost and allowed us to renegotiate the purchase price." - Jennifer Torres, Home Buyer
Common Questions About HOA Estoppels
Q: What exactly does an HOA estoppel letter contain?
A: A comprehensive estoppel letter includes current regular assessment amounts, outstanding balances, upcoming special assessments, transfer fees, unpaid violations, and other financial obligations tied to the property.
Q: Why can't I simply ask the seller about HOA fees?
A: Sellers may be unaware of pending special assessments or may not disclose all financial obligations. The estoppel letter is a legally binding document from the association that protects buyers from undisclosed liabilities.
Q: How long is an estoppel letter valid?
A: In Florida, HOA estoppel certificates are typically valid for 30 days from issuance. For closings beyond this timeframe, an updated certificate should be obtained.
Q: What happens if an association fails to disclose fees on the estoppel?
A: If an expense is not disclosed on the estoppel letter, the association generally cannot collect that amount from the new owner after closing, providing essential protection for buyers.
