Buying or Selling a San Diego Condo: A 2026 HOA Financial, Insurance, and Disclosure Checklist

The short answer: you judge a condo association by reading five things together, not one number. The budget and reserve study show whether major repairs are funded. The last year of board minutes shows what the board is worried about. The insurance summary and deductible show what lands on you after a loss. The balcony and deck inspection report, where the law requires one, covers one of the costliest repair categories. And your lender’s project review shows whether the building can be financed.

Buying a condo is not only a decision about the unit. It is also a decision about the association that maintains the common property, collects the dues, carries the master insurance, plans the major repairs, enforces the governing documents and supplies the information a lender may need before it approves the building. Our Mission Valley and Downtown condo comparison shows why choosing the neighborhood and checking the specific building are two separate jobs.

That matters in San Diego, where a beautiful unit can sit inside a building facing an expensive roof replacement, balcony or waterproofing work, an insurance renewal problem, deferred repairs, an underfunded reserve plan or a special assessment. The reverse is also true: a big expense on the horizon is not automatically a reason to walk away if you understand the scope, who is responsible, how it will be funded, when, and what it does to your financing. For a Little Italy unit, the Little Italy condo buyer checklist connects the building’s records with parking rights, which way the unit faces and the things you can check from inside the home.

The point is not to label an HOA “good” or “bad” from one number. It is to gather the current records, find out what has already been decided, connect the documents to the physical condition of the building, and get the legal, insurance, engineering, reserve and lending questions to the right professionals before a contract deadline passes. For a Marina unit whose price depends on the view, review Marina condo views and nearby development as a separate part of that investigation.

1. Look at the unit and the condominium project as two connected parts of one purchase

A unit inspection can find problems inside the unit and visible problems in the areas the inspector can reach. It generally cannot answer every building-level question about roofs, exterior walls, balconies, elevators, garages, fire-safety systems, drainage, common plumbing, waterproofing, foundations, or the other components the association may be responsible for maintaining.

Near closing, prepare for the final walkthrough to compare the unit’s condition, the agreed repairs and the included items against the purchase agreement, while keeping the building-level review separate.

Start with four connected questions:

• Responsibility: Which components belong to the association, the individual owner, or an owner with exclusive-use rights?
• Condition: What major work is complete, underway, recommended, discussed, deferred, or not yet looked into?
• Funding: Will the work be paid from reserves, regular assessments, a special assessment, an association loan, an insurance recovery, or some combination?
• Effect on your purchase: What do your lender and insurer need, and which contract deadlines control your investigation?

No single document answers all four. The governing documents say who is responsible for what; the budget and reserve materials cover the planning; the minutes and notices record the decisions; the inspection and engineering reports cover physical condition; the insurance documents describe coverage; and the lender applies its project-eligibility standards to your loan. If the property is an ADU being sold separately from the main home, review separate ADU condominium ownership before you assume how access, shared areas and maintenance will work.

2. Order the California HOA transfer package early and take inventory of what arrives

California Civil Code section 4525 lists the documents and information an owner must provide to a prospective purchaser as soon as practicable before transfer of title or execution of a real-property sales contract. Depending on the project and what the buyer requests, the package can include:

• the declaration, articles, bylaws, operating rules, and related governing documents;
• when the governing documents contain an age-based occupancy, residency, or use restriction that differs from Civil Code section 51.3, the statements required by section 4525(a)(2);
• the association’s most recent annual budget and policy disclosures;
• the current regular and special assessments and fees, unpaid assessments, unpaid fines or penalties, and applicable late charges, interest, and collection costs;
• unresolved notices alleging a violation by the selling owner;
• specified information concerning construction defects and approved assessment or fee changes that are not yet due;
• a statement identifying any rental restriction in the governing documents;
• if requested, approved regular and special board-meeting minutes from the preceding 12 months, excluding executive-session minutes; and
• the most recent inspection report required by Civil Code section 5551 when that section applies to the project.

Under Civil Code section 4530, an association generally must provide the requested documents within 10 days of the mailing or delivery of the owner’s written request. The statute also covers electronic delivery and document fees, and it requires the seller to give the buyer, at no cost, current copies the seller already has.

That 10-day rule is a reason to order early, not a reason to assume every package will be complete in 10 days. As soon as the records arrive, make a list showing each document’s name, date, the period it covers, and whether any exhibit or attachment it refers to is missing. A “complete” download from an ordering portal can still contain an outdated budget, a reserve study with no appendices, minutes that mention an engineering report that is not in the package, or an insurance summary without the policy information behind it.

For a small association with no management company, review a self-managed HOA before buying so you know who can supply the records and when.

If you may rent the condo out later, review the future-rental questions before you assume the seller’s rental history tells you what the rules will be for you.

3. Read the governing documents for responsibility, restrictions, and approval history

The declaration (the CC&Rs), condominium plan, bylaws and operating rules set out how the project is owned and run. Read them for where your unit ends and the common area begins, exclusive-use common areas, who maintains and repairs what, the association’s power to levy assessments, insurance responsibilities, the architectural approval process, use restrictions, rental rules, parking and storage rights, and how disputes are handled. For a townhome project that qualifies, look at the townhome ownership and shared-maintenance questions raised by AB 1751 alongside those documents.

For a condo with a tenant in place, use the tenant-occupied home purchase checklist to line up the lease, the deposit and the possession plan with the association’s rental rules.

Then connect those rules to the unit itself. If a past owner enclosed a balcony, moved plumbing, put in hard-surface flooring, replaced windows, changed an exterior door, added an electric-vehicle charger or altered anything else the rules cover, ask whether the work needed association approval and whether that approval is on file. Checking permits and building records is a separate job from checking HOA approval; one does not prove the other.

Buying a condo that needs work

For a seller, open violation notices and missing records for past alterations turn into timing problems if they surface after the buyer or lender starts asking. For a buyer, silence in the package is not proof that a change was approved. The right next step is a written question to the seller or the association and, when the issue matters, review by the right legal, property or permitting professional. Our guide to what to fix before selling a condo separates cosmetic work, transaction issues and changes that need association approval.

If the association has already sent a notice, find out where it stands and what it takes to resolve the HOA violation before you commit to a sale schedule.

When offers arrive, compare offers on a San Diego condo by looking at who pays any assessment and what lender questions remain, not just the price.

For the seller’s side, see our guide to selling a condo with unfinished SB 326 repairs.

4. Read the operating budget, reserve plan and reserve study together

Civil Code section 5300 requires the association’s annual budget report to cover, among other things, the operating budget, reserve information, deferred repair or replacement of major components, anticipated special assessments, how reserves are funded, certain outstanding association loans, and a summary of specified insurance information. Use the new-construction and resale condo comparison to ask the right budget and track-record questions of a brand-new association versus an established building.

If the association has borrowed money, understand an HOA loan before buying so you can tell its bank debt apart from the charges attached to your unit.

Civil Code section 5550 sets out a reserve-study process for the associations it covers, including a visual inspection at least once every three years and an annual board review of the study. The study covers the major components the association is responsible for, how much useful life they have left, what repair or replacement is expected to cost, the reserve contributions, and a funding plan.

A practical review compares at least these items:

• the current reserve balance;
• the annual reserve contribution in the adopted budget;
• the reserve study’s date, component inventory, cost assumptions, and remaining-useful-life assumptions;
• projects completed or deferred since the study;
• actual recent bids or contracts compared with study estimates;
• the funding plan for components approaching replacement;
• anticipated or approved special assessments;
• association loans and repayment obligations; and
• material changes in insurance premiums or deductibles that can compete with reserve contributions.

A reserve study is a planning document, not a warranty. It rests on assumptions that later bids, hidden damage, inflation, code requirements or a newer inspection can change. A “percent funded” figure helps organize the questions, but it is not a pass-or-fail score unless you understand the component schedule and what the association owes right now.

California’s AB 2050 brings in new reserve-funding requirements for 2032. The AB 2050 guide for San Diego condo buyers and owners explains the funding calculation, the voting protections and the transition dates, with a comparison of two associations.

5. Look at special assessments, association loans, deferred repairs and board decisions together

Today’s dues alone do not show the full carrying cost. Civil Code section 4525 calls for disclosure of current regular and special assessments, and section 5300 requires the annual budget report to discuss anticipated special assessments and certain outstanding loans. Read those disclosures alongside the reserve materials and the approved board minutes you requested for the prior 12 months. If you are getting ready to sell, read HOA dues increases and condo sale price before you assume an earlier comparable sale still holds once the dues go up. If you are shopping at the lower end of the condo market, the Chula Vista homebuying guide connects these obligations with the prices and kinds of homes you are considering.

Look for repeated discussion of water intrusion, roofs, decks, balconies, plumbing, elevators, garages, structural components, fire systems, insurance renewals, construction-defect claims, major contracts or professional reports. Every time the minutes refer to a report, proposal, contract, owner notice or adopted resolution that matters, go get it.

Board minutes are useful but incomplete. Executive-session discussions are left out of the minutes the transfer package requires, not every issue makes it into the approved minutes, and minutes may describe a problem without its technical scope or final cost. The reverse is true too: a project proposed at a meeting does not prove the board approved it or that the association will levy a particular assessment. Keep “discussed,” “recommended,” “approved,” “contracted,” “funded” and “completed” separate in your file.

If the records show a lawsuit, read what HOA litigation means for a condo purchase before you weigh the costs and the financing.

Reading HOA meeting minutes: a practical worksheet

Use one entry for each issue that could change your purchase decision. Keep the meeting date and page number with the entry so the seller, manager or lender can find the same passage.

1. Meeting and issue. Record the date, page and subject. Note whether you have approved minutes, a draft or a summary.
2. Decision recorded. Write down what the board decided and what is still open. Keep a vote, authorized spending or a signed contract separate from a request for bids.
3. Record needed. Name the document that would answer the question: the referenced report, scope of work, accepted bid, adopted funding plan, owner notice or completion record.
4. Follow-through. Note who will request the information and who needs to review it. Your broker can coordinate the request with the seller and the manager; a lender or a qualified technical professional may need to weigh in on the answer.
5. Decision date and result. Put the contract deadline that applies next to the request. When the response arrives, record its date, the document supplied, and whether it settles the issue or leaves a question for your decision.

Hypothetical example: the April minutes discuss recurring roof leaks and authorize the manager to get proposals. The June minutes approve a contractor, but the disclosure package has neither the contract nor a funding notice. Your worksheet should ask for the approved scope, the signed contract, where the work stands and how the board decided to pay for it. Ask how any share charged to this unit is calculated and when it is due.

The answer changes the next step. A finished repair with records behind it is a different decision from work still waiting on a signed contract or a funding vote. Compare any payment the board has adopted with your monthly budget. Keep an unsettled amount separate, and send any question about the project’s effect on financing to the lender before you rely on the loan. The special-assessment risk guide shows how to compare the funding scenarios.

If the approved minutes stop short of the most recent meetings, ask the seller whether a draft or summary of the non-executive meetings is available to members. Civil Code section 4950 requires minutes, minutes marked as draft, or a summary of non-executive board meetings to be available to members within 30 days. Keep each document’s status clear next to the approved transfer minutes you requested. Requests should respect the privacy, privilege and redaction rules that apply.

I use this record to keep the conversation specific: what we know, what answer we still need, and which decision depends on it. From there we can compare the home and the offer with your other options through condo buyer representation.

6. Read the balcony and exterior elevated-element report when Civil Code section 5551 applies

For 2026 sales, one document needs special attention. Effective January 1, 2026, the Civil Code section 4525 transfer-document list includes the association’s most recent inspection report required by Civil Code section 5551.

Use our guide to follow inspection findings through the repair records, including the work done and any access restrictions still in place.

Section 5551 applies to covered condominium associations with buildings containing three or more attached dwelling units and qualifying exterior elevated elements. The statute’s definition focuses on load-bearing components, and the waterproofing that goes with them, of elements such as balconies, decks, stairways, walkways and railings that are more than six feet above ground and supported in substantial part by wood or wood-based products. It does not apply to every condominium project or every balcony.

For projects it covers, the inspection is done at least every nine years by a licensed structural or civil engineer or architect, using a random, statistically significant sample. The report covers the condition of the elements inspected, their estimated remaining useful life, recommendations, and specified immediate safety threats.

Do not stop at the fact that a report exists. Ask:

• Is this the most recent report, and what elements were sampled?
• Did the inspector flag an immediate safety concern or recommend a closer look at anything?
• What repair, replacement, waterproofing, or maintenance work was recommended?
• Which recommendations were carried out, and what records prove it?
• What work remains, who is responsible, and how does the association plan to fund it?
• Do the reserve study, budget, minutes, contracts, and report describe the same scope and timing?

The report does not certify every common component, and an inspection of a sample is no substitute for your own physical inspections, or for a qualified engineer’s advice, when the records point to a real concern.

7. Review the master insurance policy and your own unit-owner insurance together

The annual budget report’s insurance summary gives specified information such as the insurer, the type of insurance, the coverage limits and the deductible. The statute expressly warns that the summary is not a substitute for the complete policy, and that association insurance may not cover unit property, improvements, personal property, or personal injury and other losses inside the unit.

Get the current master-policy information your lender and insurance professional ask for, including the declarations pages, coverage forms, deductibles, endorsements and renewal information. Work out how the governing documents divide responsibility for the unit’s interior, improvements, fixtures, common elements, and losses that fall under the master-policy deductible.

For an inherited unit, check the insurance after an owner’s death so the unit policy, the association’s coverage and the estate’s sale timetable line up.

The California Department of Insurance residential insurance guide explains that condominium unit-owner insurance can cover personal property, loss of use, liability, medical payments, and the parts of the interior or improvements the owner is responsible for. The right coverage depends on the master policy itself, the governing documents, the unit’s condition, the carrier’s requirements and your situation. A broker should coordinate the question but should not decide coverage or premium for the insurer.

Ask your insurance professional about the master-policy deductibles, your possible exposure to a loss assessment, interior improvements, water losses, earthquake or flood coverage, and any exclusions or sublimits that matter for this property. Do it early enough to chase down an unexpected premium, coverage you cannot get, or a lender concern before the contingency deadline.

8. Get the lender’s project review done before you rely on the financing

A condo loan involves two reviews: one of you, the borrower, and one of the building. A highly qualified borrower can still be delayed or turned down if the lender cannot get the documents it needs or decides the project does not meet the loan program’s standards.

If you are buying with a VA or FHA loan, check the VA condo project record and phase or FHA project approval and single-unit approval alongside the lender’s association requirements.

For example, the current Fannie Mae Full Review process has separate financial standards for common-expense assessments, special assessments and replacement reserves. No more than 15 percent of the project’s units may be 60 days or more past due on common-expense assessments, and no more than 15 percent may be 60 days or more past due on each special assessment. The projected budget also must set aside replacement-reserve funding equal to at least 10 percent of the budget under Fannie Mae’s specified assessment-income calculation, unless its acceptable reserve-study alternative is met. If you plan to sell in 2027, Selling a Condo Under Fannie Mae’s 2027 Reserve Rules explains the application-date change and the reserve records to gather before you list.

Fannie Mae changed its condo project-review rules in 2026 (Lender Letter LL-2026-03). For Full Review applications dated on or after January 4, 2027, the standard replacement-reserve allocation rises from 10 to 15 percent of annual budgeted assessment income; an acceptable reserve study can serve as an alternative. Our Fannie Mae condo project-review guide explains which projects the new rules reach; your lender applies whichever version is in effect for your application.

Those figures are not a formula you can apply yourself to predict approval. Not every loan goes through a Fannie Mae Full Review, and the lender has to apply the current guide, the loan’s characteristics, the project’s status, the insurance standards and any of its own overlays to your specific transaction. Fannie Mae also lists critical repairs, deferred maintenance, special assessments and other project conditions that can affect eligibility, and its master property insurance requirements require the lender to review the project’s coverage. For a proposed Fannie Mae loan, read Fannie Mae’s 2026 condo review changes to tell the project-size waivers apart from the ownership-concentration tests and the standards that still apply.

Before you rely on the financing, ask the lender:

• Which project-review path does this loan go through?
• Which association documents are still outstanding?
• Have you finished the project review, or have you only prequalified me?
• Are any insurance, reserve, delinquency, litigation, commercial-use, investor-concentration, structural or special-assessment questions still open?
• Could a different loan amount, occupancy type, or program change the review?

To work the real estate and financing questions in the right order, BRG clients can go through condo financing guidance for a specific property. The lender, not the broker, the seller, the association, the listing or a prior buyer, makes the current loan and project eligibility determination.

9. A seller’s checklist before the condo goes on the market

A seller can head off avoidable delays without trying to guess what the buyer will conclude. Before or early in marketing:

1. Collect the current records you already have. Separate them from outdated budgets, superseded rules and old insurance summaries.
2. Order the current statutory package. Include the requested board minutes and the most recent section 5551 report when it applies.
3. Verify the numbers. Confirm current regular assessments, approved special assessments, your owner balance, association document fees, transfer charges, and any fee change already approved but not yet due.
4. Pull the records for your unit. Find association approvals, permits, warranties, invoices, plans or notices for any significant alterations or repairs.
5. Describe open matters accurately. Tell a preliminary discussion apart from a recommendation, a board approval, a signed contract, an assessment or a completed repair.
6. Get ready for lender and insurance requests. Know who the association manager is or where the document portal is, and how current insurance information and project questionnaires are obtained.
7. Keep proof of delivery. Keep the exact set of documents, their version dates and the delivery record so the file shows what was provided and when.

Getting ready early does not replace the statutory disclosures or professional advice. It makes discrepancies easier to spot while you still have time to track down missing records and give accurate answers. If the sale is paying for your next home, read buying your next condo before or after selling while there is still time to plan the project review, the proceeds and a fallback schedule.

For parking and storage, verify the record behind each space and any separate agreement before you describe it in the listing.

For an estate sale, review the inherited condo HOA guide to connect the records with the cash on hand, the assessment due dates and the proposed closing plan.

10. A buyer’s condominium decision checklist

Organize your review around decisions, not around the pile of documents:

1. Confirm the unit and common-area boundaries. Find out who owns and maintains the components that matter to you.
2. Take inventory of the disclosure package. Note missing documents, stale dates, missing exhibits and references that need follow-up.
3. Check the financial plan. Compare the budget, reserve study, reserve balance, recent spending, planned contributions, loans, deferred work and assessments.
4. Trace the major repair issues. Connect the minutes, inspections, bids, contracts, notices and completion records instead of trusting a one-line summary.
5. Read the section 5551 report where it applies. Note the recommendations, any immediate threats, the remaining work and the funding.
6. Coordinate insurance. Give the governing documents and the master-policy information itself to your insurance professional.
7. Coordinate financing. Get a current, project-specific determination from your lender and track the open conditions.
8. Inspect the unit and the common areas that matter. Association records are no substitute for looking at the building.
9. Send the legal and technical questions that matter to the right specialist. Association counsel, engineers, reserve professionals, inspectors, insurance professionals, tax advisers and lenders each do a different job.
10. Settle the evidence before the decision deadline. Track whether each important question is answered, accepted as a known risk, or still open when you have to act under the contract.

The California Department of Real Estate’s homebuyer resources stress inspections, disclosures, contingencies, association costs and professional advice. The goal is a documented decision based on the property, the project, the financing and the insurance in front of you, not on a generic rule of thumb. Before you commit, use our guide to negotiate a condo’s price and terms to connect what you found with review time, assessments and possession.

Keep a decision record for each HOA issue that matters

I keep a short record that ties each document to the purchase decision:

• Document and date: Name the budget, notice, policy, report or lender response and the period it covers.
• Issue and status: State the question and whether the record describes a proposal, an approval, funded work or completed work.
• Cost and payment: Record the verified dues, assessments or repair exposure, with payment dates; mark unknown amounts as pending.
• Open item: State the missing record, the unsettled responsibility or the condition still waiting for review.
• Who verifies: Name the association manager, insurance professional, lender or qualified specialist responsible for the answer.
• Decision and next step: Record the contract decision date, the question to settle and who will get the answer.
• Resolution: Save the dated written answer and record how it changes the cost, timing or purchase decision.

For a condo you have found, tell me about the property. In the form’s message box, include the address and unit number, your budget and timing, and a short summary of the issue you want to go over. Keep account numbers, Social Security numbers and complete financial or policy documents out of the message.

Buying in a 55+ community

The financial review is the same, with two additions. Read the age-restriction rules for who besides the 55+ owner may live there, because they affect both your plans and a future sale. And look closely at how the budget funds the clubhouse, pools and other shared facilities, which are often a larger share of the costs in these communities.

11. Issues that call for follow-up, not a snap conclusion

These conditions call for a closer look:

• a reserve study that is outdated, incomplete, or inconsistent with recent bids;
• major components near the end of their estimated useful life with no clear funding plan;
• recurring water intrusion, balcony, garage, structural, plumbing, or fire-system concerns;
• a special assessment, an association loan, a lot of owners behind on their dues, or dues rising fast;
• an insurance nonrenewal, a large deductible, a significant exclusion, or an unanswered lender insurance request;
• pending litigation, a construction-defect matter, or a significant claim;
• repeated references to a report, contract or owner notice that is not in the package; or
• a lender project review that is still unfinished as a financing deadline approaches.

None of those facts, on its own, proves that a project is unsafe, underfunded, uninsurable, ineligible for financing or wrong for a particular buyer. They are prompts to get the missing evidence, put a number on the exposure, pin down who is responsible, and make the decision with the right professional input.

Frequently asked questions

How do I know if a condo HOA is financially healthy?

Read the budget, reserve study, last year of board minutes, insurance summary and, where required, the balcony inspection report together. Look for funded plans for major repairs, low owner delinquencies, no unexplained special assessments and coverage your lender accepts. One number, such as the reserve balance, is not enough.

What’s different about buying in a 55+ community?

The financial review is the same. Also read who may live there besides the qualifying owner, and how the budget funds the clubhouse, pools and other shared facilities.

What HOA documents should a California condo buyer receive?

California Civil Code section 4525 identifies a statutory transfer package that can include the governing documents; if applicable, the statutory statement concerning certain age-based occupancy, residency, or use restrictions; the association’s recent annual financial and policy disclosures; current regular and special assessments and fees; specified unpaid assessments, fines or penalties, late charges, interest, and collection costs; unresolved violation notices; approved assessment or fee changes not yet due; specified defect information; rental-restriction information; requested approved board minutes from the preceding 12 months; and the most recent Civil Code section 5551 inspection report when that requirement applies. The exact package depends on the project and what the buyer requests, so check the documents you receive against the statutory list and what your transaction needs.

Does a healthy reserve balance prove that no special assessment is coming?

No. A reserve balance is one number. Look at the reserve study’s date and assumptions, how much life is left in the major components and what they will cost, the association’s contribution plan, deferred work, outstanding loans, the meeting minutes, the insurance obligations, and any projects already discussed or approved. A healthy-looking balance can still fall short of the work the association expects to do.

Does the HOA master policy cover everything inside a condominium unit?

No. The master policy generally covers association property and common elements according to its terms, but it may not cover all unit improvements, personal property, loss of use, personal liability, deductibles passed on to owners, or loss assessments. Get the master-policy information itself, read the governing documents, and have your insurance professional work out the right unit-owner coverage before you remove an insurance contingency or rely on a premium estimate.

Does a statement that a project is ‘Fannie Mae approved’ guarantee that a buyer can finance a unit?

No. The project’s status, the loan’s characteristics, underwriting requirements, insurance compliance, your own qualifications and the lender’s overlays can all change the result. Your lender has to make a current, project-specific determination for your loan. A past approval, another buyer’s loan or a line in the marketing is not a financing guarantee.

What changed in 2026 for California balcony inspection reports in condo sales?

Effective January 1, 2026, the Civil Code section 4525 transfer-document list includes the association’s most recent Civil Code section 5551 inspection report. Section 5551 applies only to covered condominium associations and qualifying exterior elevated elements, so the requirement does not reach every condominium project.

Are HOA board minutes part of a California condo disclosure package?

Yes, if the buyer requests them. Civil Code section 4525 calls for the approved minutes of regular and special board meetings, excluding executive sessions, held during the preceding 12 months. Minutes show decisions and recurring issues, but they do not replace budgets, reserve materials, engineering reports, insurance records, contracts, or direct follow-up on open questions.

Can a seller wait until late in escrow to order the HOA documents?

Waiting creates avoidable timing risk. Civil Code section 4525 says the required documents should be provided as soon as practicable before transfer of title or execution of a real-property sales contract, and Civil Code section 4530 generally requires the association to provide the requested documents within 10 days of the mailing or delivery of the written request. Talk through the timeline and the disclosure delivery with your broker and other advisers before you go on the market or agree to a tight closing schedule.

Does reviewing the HOA package replace a property inspection, legal review, lender review, or insurance review?

No. The HOA package is one part of your due diligence. Physical problems can be missing from the records, legal rights and obligations need a qualified attorney’s analysis, lenders apply their own loan- and project-specific standards, and insurance professionals have to review the actual policies and the proposed unit coverage. Each specialist should handle the issues within that specialist’s scope.

Get the documents in order before they become a closing problem

If you have a condo in mind or an HOA package in hand, I will go through it with you as your buyer’s broker and flag what needs an answer before your contingency deadline. See how I review the HOA before you buy. If you are selling a condo instead, my seller services cover pricing and preparing the sale.

This article is for general educational purposes and reflects sources reviewed on August 21, 2026. It is not legal, tax, engineering, reserve-study, insurance, lending, inspection, or investment advice and does not determine the condition, financial health, insurability, warrantability, or financing eligibility of any condominium project. Laws, agency guidance, lending standards, insurance requirements, association records, and property conditions can change. Consult the appropriate qualified professionals and the actual transaction documents before making a decision.