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CertifyHOA — Precision. Diligence. Timely Certification.
HOA certification & compliance intelligence

HOA certifications,
done before
the lender asks twice.

The only platform that connects condo and subdivision HOA boards, mortgage lenders, and title companies to instant, audit-ready certification packages — without the five-day wait.

For HOA boards & managers
Stop answering the same request twice.
Upload your documents once. Every lender questionnaire, every certification request — handled automatically.
  • Secure document vault for all association records
  • Automated response to lender certification requests
  • FL SB 4D compliance dashboard, always current
  • Free tier — no budget approval required
Get started free →
For mortgage lenders
The certification is due Friday. We already sent it.
Instant access to FNMA- and FHLMC-ready certification packages for every enrolled Florida community.
  • Fannie Mae Form 1076 & Freddie Mac Form 476 ready
  • Real-time warrantability status per community
  • Direct LOS integration via API
  • $149 per transaction — passed through at closing
See lender portal →
For title companies
The HOA questionnaire doesn't have to kill the deal.
Pull a complete, timestamped HOA disclosure package instantly — condo or subdivision — with a Verification ID your closing file can stand behind.
  • Instant HOA profile pulls for pre-closing due diligence
  • CertifyHOA Verification ID for full audit trail
  • Estoppel letter workflow facilitation
  • $75 per transaction — no subscription required
See title portal →
For realtors
Know before you list.
Check a project's current SIRS, milestone inspection, and reserve funding status before you take the listing — plus instant HOA contract exhibits.
  • Current approval status lookup — $9 per project
  • Instant HOA Contract Exhibit generator
  • No enrollment or subscription required
  • Built for listing agents
Check a project →
The status quo is broken

Manual. Fragmented. Five business days.

The current HOA certification process was designed around filing cabinets, fax machines, and manual follow-up. CertifyHOA replaces it entirely.

5
Business days to complete a lender questionnaire on incumbent platforms — when a deal needs to close in 30
44%
Of U.S. home listings now carry an HOA fee — and every one of those transactions requires certification
4
Major Florida HOA and condo reform laws since 2022 — each adding new disclosure and compliance requirements for associations
How it works

One upload. Every certification. Handled.

CertifyHOA's proprietary certification engine does in seconds what management companies currently do in days.

1
HOA uploads once
The board or management company uploads financials, reserve studies, insurance certificates, meeting minutes, and governance documents to their secure CertifyHOA vault.
2
Platform processes & certifies
Our proprietary document intelligence normalizes, validates, and packages the data into lender-ready certification formats — FNMA Form 1076, FHLMC Form 476, and custom questionnaires.
3
Lenders & title pull instantly
Lenders and title companies access timestamped, audit-ready packages on demand. The HOA board never has to answer another manual certification request.
Proprietary technology

Built for the closing table.

Three purpose-built systems, working together behind every certification package.

📄
Proprietary document intelligence
Ingests and normalizes unstructured HOA documents — PDFs, scanned records, spreadsheets — into standardized, lender-ready data fields. No manual data entry required on either side.
✅
Automated certification engine
Maps normalized association data to the exact fields required by Fannie Mae, Freddie Mac, FHA, and VA certification formats. Packages are generated in seconds, not business days.
🔍
Proprietary compliance monitoring system
Continuously monitors Florida DBPR, SB 4D, FHFA, and GSE guideline changes. Alerts the right party — HOA board, lender, or title company — the moment something changes that affects them.
Regulatory compliance specific to each state

Built for every state's regulatory reality.

HOA and condo regulations differ from state to state — and they change constantly. CertifyHOA's proprietary compliance monitoring system tracks each state's requirements individually and consistently, keeping every association profile current with the rules that apply to it, no matter where the community is located.

State-Specific Statutes Association Registration Reserve Study Tracking Milestone Inspections Fannie Mae Form 1076 Freddie Mac Form 476

Your community is compliant. Prove it in seconds.

Join Florida HOA boards, lenders, and title companies already using CertifyHOA to close faster and certify with confidence.

Request a demo → Contact us