Condominiums Help

Overview

A condominium project must be approved before applications for FHA mortgage insurance can be processed for individual units. The Condominiums feature allows authorized users to search for approved condominiums. Mortgagee Letter 2009-19 established the following new methods for approving condominium projects:

• HUD Review and Approval Process (HRAP)
  
  
• Direct Endorsement Lender Review and Approval Process (DELRAP) for lenders with unconditional Direct Endorsement authority and qualified staff for reviewing and approving condominium projects.

When a condominium project is approved through the HRAP/DELRAP approval method, a unique seven-character Condo ID is issued for the project. The set of units initially submitted for the project is given a three-digit Submission number of 001. Additional sets of units subsequently submitted for the same project are given the next sequential Submission number (002, 003, etc.).

Single-Unit Approval

Approval of an individual unit that is not in an approved condominium project is also allowed (see Mortgagee Letter 2019-13). The unit can be in:

• a condominium project that did not go through the HRAP/DELRAP approval process, or
  
  
• an established condominium project that previously went through the HRAP/DELRAP approval process but currently has a status of Expired, Rejected, or Withdrawn.
  

The condominium project must be ready for occupancy and have at least five total units. It cannot be manufactured housing or subject to adverse determination for significant issues that affect the viability of the project. The maximum FHA concentration is 10% for a project with ten or more total units (percentage of units in the condominium project with active FHA-insured mortgages). For a project with less that ten total units, a maximum of two units with FHA-insured mortgages is allowed. The lender must submit a Condominium Loan Level/Single-Unit Approval Questionnaire (Form HUD-9991) when an FHA case number is requested. The questionnaire is reviewed by HUD. If approved, a new condominium project is established for the unit, if one does not already exist. If the case is an FHA-to-FHA refinance (streamline refinance) or HUD Real Estate Owned (REO), the questionnaire is not required.

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Getting Condominium Information

1. Specify the order in which your search results are displayed by making a selection from the drop-down list in the Sorted by field. Results are presented in alphabetical or numerical order based upon your selection.
   
   
2. Enter at least one of the following requirements.
   
   

   •	State: Select the state in which the condominium project is located from the drop-down list. If All States is selected, an additional search criterion must be entered such as Condo Name or City.
   •	County: Type the full or partial name of the city in which the condominium project is located (up to 30 characters). The State must also be selected.
   •	Condo ID: Type the full or partial FHA-assigned ID of the condominium project. Note: For the HRAP/DELRAP method, the ID begins with the first letter of the HUD Homeownership Center (HOC) with jurisdiction over the project (A - Atlanta, D - Denver, P - Philadelphia, or S - Santa Ana).
   •	Condo Name: Type the full or partial name of the condominium project (up to 30 characters). The State must also be selected.
   •	City: Type the full or partial name of the city in which the condominium project is located (up to 17 characters). The State must also be selected.
   •	Zip Code: Type the full or partial zip code for the area in which the condominium project is located.
   Note: If the City, Condo Name, or partial Condo ID is entered, the State must also be selected.

   
   
3. The following optional search criteria changes and additions can also be made:
   
   

•	Status: Change the condominium status by making another selection from the drop-down list in this field.
•	Search Type: Change the Search Type (Projects, Submissions, or Both) by making another selection from the drop-down list in this field.  If Submissions is selected, the search is based on submissions 002 and higher for a condominium project.
•	Begin Date and End Date: Type the date range within which the Status of the projects and/or submissions became effective in the Begin Date and End Date fields.  Either the Begin Date or End Date field can be left blank or both dates can be entered. Use an mm/dd/yyyy format.



4. Click Send. If information was found, the Condominiums List page appears with a list of the condominium projects that match the search criteria you entered. If the list spans more than one page, click Next or Previous to move from page to page. You can also select a page number from the drop-down list in the Go to page field. Then, click Send. The page number you are currently viewing is displayed above the Go to page field (Example: Page 3 of 5). Continue to Viewing the Details of a Condominium Project.
   
   -or-
   
   

   •	An error message box appears. Click OK to clear the message. Make the correction and process again.
   •	The Condominiums page appears with an Error message above the search criteria fields and an Error(s) Detected field. If there are no records that match the search criteria, the Error(s) Detected field displays No Records Matched Your Selection Criteria.

   
   

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Viewing the Details of a Condominium Project

To view the details of a condominium project listed on the Condominiums List page, do the following:

1. Locate the condominium project on the list.
   
   
2. Click the Exists link in the Comments field to display sharable comments about the project on a pop-up page. Then, click Close to close the pop-up page.
   
   -or-
   
   Click the link in the Condo Name column. The Condominium Project Maintenance Results page appears with details on the condominium project. To return to the Condominiums page and perform another search, click New Request.
   

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Field Descriptions

Condominiums Page - Field Descriptions

Condominiums List Page - Field Descriptions

Condominium Project Maintenance Results Page - Field Descriptions

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