Resale and Refinance Services for HOA Communities

The resale or refinancing of a property located in a Homeowners Association (HOA) community is more than just signing papers and meeting with your mortgage lender. Each time a property is sold or refinanced, all applicable documents must be created accurately, quickly, and in accordance with the governing documents of the association. ACFP, LLC delivers exactly that organized, timely Resale and Refinance Services for HOA Communities designed to make every transfer feel predictable and stress-free.

We collaborate directly with title companies, mortgage lenders, real estate agents, attorneys, and homeowners to ensure accurate, complete, and timely documents. If you need resale disclosure packages or lender questionnaires, we handle everything with accuracy and ease, so you’ll have one less thing to worry about as you move on to the next step.

What’s Included in Our Resale & Refinance Services

HOA Resale Certificate Services

When transferring ownership of a property, prospective homeowners need access to detailed information about the association that governs their prospective property. We assist our clients by providing comprehensive Resale Certificates that include the association’s current financial condition, all governing documents, details of any pending assessments, insurance coverages, and any projects currently underway within the community. These certificates allow buyers to be fully informed, eliminate unnecessary delays for sellers, and provide confidence to agents working with a buyer.

HOA Refinance Document Services

Refinancing a home within an HOA community has its own unique set of requirements for lenders. In addition to preparing Lender Questionnaires in the format the lender requests (custom, standardized, or bank-specific), we ensure all information required on the Questionnaire is accurate and completed in a timely manner. From reserve balances to insurance coverage to owner-occupancy ratios, we provide lenders with the precise data they need to proceed with finalizing a mortgage.

Property Transfer Documents for HOAs

The property transfer procedure involves completing the paperwork and other documents required for a sale. We prepare payment report letters, assessment confirmation letters, violation report letters, and account statements to ensure that all the financial obligations related to the property are clear at the time of closing. Our process minimizes the amount of uncertainty on the closing statement.

HOA Document Preparation in Chicago

With local associations facing strict requirements and tight timelines, our familiarity with Chicago HOA processes ensures smooth, predictable document flow. Every file is prepared according to the governing documents of the community, creating consistency for buyers, sellers, and lenders.

Refinance Processing for HOA Members

The refinance process for HOA homeowners is often required to be completed within a quick turnaround time. ACFP, LLC has streamlined the lender document process for refinancing by coordinating with both the mortgage lender and the title company and providing the necessary paperwork via secure electronic methods. ACFP, LLC's goal is to provide a smooth financing experience without having to do multiple follow-up calls or delay communications.

Why Choose Us for HOA Resale and Refinance Support?

Because every transaction is time-sensitive and detail-heavy, you need a partner who understands the urgency and knows exactly what to do. With years of experience working with managed communities, our team navigates the complexities of resale compliance with ease.

We don’t just send out documents; we ensure that every piece is accurate, complete, and designed to your community’s governing rules. And most importantly, we keep everyone updated.

Whether it’s a seller whose property is about to go on the market, one of our buyer agents who requires quick turnaround, or a lender requiring specific disclosures, we have you and your clients covered every step of the way.

Serving Homeowners, Realtors, and Lenders Alike

ACFP, LLC provides its services to all stakeholders involved in the resale and refinance process, including the following:

Homeowners who wish to sell or refinance their homes
Real estate agents who need timely HOA disclosures on properties in the MLS
Mortgage Lenders that need current HOA and association information
Attorneys and title companies that need accurate financial verification

We help you find the buyer or lender, and we provide the necessary support to ensure that your transaction will go smoothly.

Ready to Start Your Resale or Refinance Request?

ACFP, LLC delivers precise, reliable Resale and Refinance Services for HOA Communities, built to keep the transaction on track for HOA homeowners.

Request Resale or Refinance Documents

Frequently Asked Questions

What is included in a resale disclosure package?

A resale disclosure package can include the governing documents for the HOA, financial documents for the HOA, a budget for the HOA, information and details on the insurance, possible pending assessments, litigation disclosures, property-specific violations, or outstanding dues.

How long does it take to receive refinance documents or lender questionnaires?

Turnaround times vary, but most documents will be received in about 3–5 business days. If you request a document earlier than normal, we may be able to provide expedited options depending on what forms are needed.

Can I request my resale or refinance documents online?

Yes, we offer secure online request forms for resale certificates, lender questionnaires, and payment confirmations. Once your request has been processed, we will deliver your documents securely through our secure portal.

What if I have unpaid dues or pending violations?

Any outstanding dues, unpaid balances, and late fees will be disclosed on your status letter, along with any open violations. These normally have to be taken care of prior to closing or refinancing. If you need clarification on options, we are happy to help.