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FHA Condo Certification

View the results of CAI's Survey on FHA Condominium Project Approval (November 2016)

​​​​CAI has been working to ensure that residents of condominiums have access to fair and affordable mortgages through our engagement with the Federal Housing Administration (FHA). Traditionally, FHA has only played a minor role in mortgage for condominiums; however, that changed with the housing crisis and today, FHA accounts for up to 30% of all condominium mortgages, through FHA's condominium mortgage insurance program. Beginning in late 2008, FHA has issued regulatory guidance to set standards condominium associations must meet in order for a purchaser to qualify for FHA financing. CAI believes that FHA has set arbitrary standards which do not adequately measure the financial health of condominium associations. In addition to the criteria issued by FHA, CAI also has requested that FHA engage in public notice and comment by stakeholders prior to implementing any new guidance on condominiums.

Community Development Laws and Regulations

The rules and regulations governing the activities of Community Development programs by the U.S. Department of Housing and Urban Development are broken down into three categories: the Laws as enacted by Congress, the Regulations created by HUD to achieve the result prescribed by the Laws, and the Policy Memoranda that address specific instances and questions.

Condominium Project Approval and Processing Guide

The Condominium Project Approval​ and Processing Guide is designed to provide the Federal Housing Administration (FHA) baseline condominium project approval and processing requirements. The guide includes information on the approval process and guidelines.

Resources and Web Links

FHA Condominium Project Approval and Processing Guide. This 95-page pdf provides you with checklists and details about each requirement for condominium certification and recertification

Condominium Project Certification Status. This Website provides you with the current status for your condominium.

The four regional Home Ownership Centers (HOCs) are located in Santa Ana, CA; Denver, CO; Atlanta, GA; and Philadelphia, PA. To determine the jurisdictional HOC for a specific state, visit the U.S. Department of Housing and Urban Development (HUD) website.

FHA Resource Center. FHA’s online knowledge base helps you find answers 24/7.

Lenders, industry members, consumers and other interested parties can use the following links for inquiries by e-mail or telephone.

  • E-mail questions to the FHA Resource Center at info@fhaoutreach.com

  • Call the FHA Resource Center toll free at 1-800-CALLFHA (1-800-225-5342)

 

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