FHA Certification - Prior to 2007,  our HOA had a permanent FHA certification. The process to secure that permanent FHA certification involved many hours of work on our part. Nonetheless, when the housing market crashed in 2007, HUD pulled all FHA certifications for Condo Associations.

However, we had found that many lenders can grant FHA loans using a FHA Spot certification. Since this Spot Certification has worked, we have not invested the time and money to get recertified with HUD.