If your home is part of a homeowners association (HOA), there are specific documents you’ll need to collect before the sale can close. These aren't just formalities—they’re often required by escrow, lenders, and buyers to complete the transaction. Failing to provide the correct paperwork can result in costly delays. At Onsite Real Estate Group, we guide sellers through this process early to avoid last-minute issues. Here’s what you need to know about HOA documentation and how to stay ahead of it.
When selling a home in an HOA, buyers and their lenders often require a full package of association documents. These typically include the CC&Rs (Covenants, Conditions & Restrictions), HOA bylaws, financial statements, recent meeting minutes, and contact info for the management company. These materials help buyers understand the rules, obligations, and financial health of the community they’re joining.
Purchasing in an HOA means taking on certain responsibilities—like dues, maintenance obligations, or rule compliance. Buyers need to review these details carefully to make informed decisions. Lenders may also require HOA financials to ensure the community is in good standing before approving financing. Having the documents ready early gives your buyer peace of mind and keeps the transaction moving.
Buyer & Lender Requirements:
HOA document requests can take time to process—especially if your HOA uses a third-party management company. Waiting until you're deep in escrow to request them can create bottlenecks and threaten your closing date. We recommend requesting them as soon as you list—or at the very latest, once your home is under contract.
Escrow Delays & Timing:
Many sellers are surprised to learn that it’s their job—not the agent’s or buyer’s—to request and deliver these documents. HOAs often charge a fee for compiling the documents, which is also typically the seller’s responsibility. If you’re not sure where to start, reach out to your HOA board or management company directly—or ask us for help.
Before handing off the HOA documents to your buyer, take some time to review them yourself. Make sure there are no unexpected rule changes, assessment increases, or restrictions that could impact your sale. Being informed helps you answer questions confidently and avoid issues down the line.
At Onsite Real Estate Group, we help sellers across East Pierce County navigate the often-overlooked details that can make or break a deal—including HOA compliance. If you’re unsure what your association requires or how to request the proper documents, we’re here to help you stay ahead of the process and sell with confidence.
