Condo + HOA Approvals: What Buyers Must Know Before They Go Under Contract

Buying a condo in Florida comes with a few extra steps that many first time buyers do not expect. One of the most important is the association approval. If you are buying in a condo building or any community with an HOA, you will almost always need the association to approve you before closing.

Here is what buyers should know before signing anything.

Why Condo and HOA Approvals Matter

Most communities want to make sure new buyers meet the community rules, financial guidelines, and basic requirements. It is not meant to make your life harder. It is simply the community protecting itself. Understanding the process early helps you avoid delays and surprises.

1. The Approval Process Takes Time

Every association works differently. Some approve within a few days. Others take two to four weeks. This timeline is important because:

• You cannot close until the approval is issued

• Delays can push your closing date

• Missing documents can reset the process

This is why your title company and agent will request association information immediately.

2. Expect Paperwork and Possibly an Interview

Most applications include:

• A formal application

• Background checks

• Credit or financial information

• Application fees

• Lender approval letters

Some associations also require a brief interview. It is usually friendly, but it needs to be scheduled.

3. There Are Fees

Buyers should expect fees such as:

• Application fee

• Background check fee

• Move in or orientation fee

• Transfer fee

Not all communities charge the same, so it is smart to ask early.

4. The Association Can Reject an Application

This is rare but possible. Common reasons include:

• Not meeting community credit or income requirements

• An incomplete application

• Information that does not match

• Issues found during the background check

A denial can stop the closing altogether. This is why completing everything accurately is essential.

5. Contract Deadlines Matter

In Florida, there is a deadline for obtaining association approval. If approval takes longer than expected and no one is watching the dates, buyers can lose important protections. A strong team will track these deadlines and request extensions if needed.

6. Closing Cannot Happen Without Approval

Even if your loan is ready.
Even if all documents are signed.
Even if your movers are on standby.

You cannot close without the approval letter.

How Buyers Can Prevent Delays

These simple steps keep everything moving:

• Request the application early

• Submit everything the same day

• Pay all fees quickly

• Respond to requests from the association

• Stay in touch with your agent and title company

How a Good Title Company Helps

At New Door Title, we take care of the communication and tracking for you. We request and submit the HOA forms early, follow up with the association, monitor timelines, and update everyone so you never wonder what is happening. When the process is managed well, buyers feel supported and the closing stays on track.

Final Thoughts

Condo and HOA approvals are part of the process, but they do not need to be stressful. When buyers know what to expect and have the right guidance, they avoid the last minute surprises that delay so many closings.

If you have questions about approvals, timelines, or closing in general, we are here to help.

New Door Title

Your trusted real estate title partner