Hoation
Never fill out another lender questionnaire.
Hoation is the document back office for self-managed condo and HOA boards. When a unit sells or refinances, the resale package, lender questionnaire, status letter, and insurance certificate are our problem — drafted by AI, reviewed and signed off by people, delivered on the closing deadline.
Built by board members.
Every closing demands the same documents — on someone else's deadline.
No management company means the volunteer treasurer produces all of this, correctly, while a sale hangs on it. Get one number wrong and the loan stalls.
Lender questionnaire
Fannie Mae Form 1076 / Freddie Mac Form 476 — reserves, delinquencies, insurance, litigation, owner-occupancy, structural status.
Status & payoff letter
Account balance, prorated dues through closing, outstanding fines, transfer and move-out fees.
Certificate of insurance
Master policy COI naming the buyer and their lender as additional interest — a fresh one for every transaction.
Governing docs bundle
Master deed, bylaws, rules, budget, and financials packaged for the buyer's attorney review period.
Onboard once. Every future closing is handled.
Almost everything a resale package needs is association-level data that changes rarely. You hand it over once — Hoation walks you through exactly what's needed — it stays current, and only the unit-specific pieces are produced per transaction.
Onboard your association
Hand us your governing docs, budget, financials, insurance policies, and reserve info — once. We organize it, flag gaps, and become your system of record.
One-timeWe keep it current
Annual refresh on budget, insurance renewals, and delinquency data. We track what lenders ask for, so you don't have to.
OngoingClosings route to us
When a unit sells or refinances, the title company's request comes to Hoation. We generate the package, a human reviews and signs off, and it ships on deadline. Your treasurer does nothing.
Per transactionThe complete package, every transaction.
Completed lender questionnaire
Fannie 1076 / Freddie 476, short or full form — including the post-Surfside structural and deferred-maintenance sections lenders no longer waive.
Status / payoff letter
Unit account status, prorated dues, fees due at closing — accurate to the association's books.
Certificate of insurance
Issued with buyer and lender listed, coordinated with your master policy carrier.
Docs & financials bundle
Master deed, bylaws, rules, budget, and year-end financials, packaged for attorney review.
New Jersey's structural integrity law applies to your building.
Since 2024, NJ condos are required to maintain reserve studies and periodic structural inspections — and lender questionnaires now ask about compliance. Most self-managed boards don't know the law exists. Our onboarding gap analysis checks where your association stands, so you hear about it from us — not from a stalled loan.
AI does the drafting. People sign off.
Speed comes from automation. Trust comes from a named person who reviews every document and stands behind it. You get both — and your board never touches software.
🤖 What the AI does
- Reads your governing docs, budget, and policies once at onboarding
- Drafts questionnaires and letters from your association's live data
- Cross-checks answers against lender rules (reserve thresholds, delinquency caps, occupancy ratios)
- Flags anything that could stall a loan — before it goes out
🧑💼 What a human does
- Reviews every package line by line before it ships
- Signs it — a named, accountable party, not a form generator
- Talks to your title company, lender, or attorney when questions come up
- Calls your board only when a decision actually needs one
Stop chasing volunteer treasurers.
You know which associations are painful: the self-managed ones where the questionnaire sits in a treasurer's inbox for three weeks. Route those requests to us instead.
One request point
Send the condo doc request to Hoation. The system assembles and completes the package, the board reviews and signs it, and it comes back to you on the clock — one accountable counterparty.
Deadline-honest turnaround
Packages delivered against your closing date, with status visibility along the way. No more "waiting on the association."
Fewer loan stalls
Answers are pre-checked against Fannie/Freddie eligibility rules, so problems surface early — not in underwriting.
The seller pays at closing. Your budget is never touched.
Like every resale package provider, our fee is a standard closing cost paid by the selling or refinancing owner — not out of association dues.
Paid by the seller or refinancing owner at closing.
- Lender questionnaire (1076/476)
- Status & payoff letter
- Certificate of insurance
- Governing docs & financials bundle
- Human-reviewed, deadline-guaranteed
For self-managed boards joining during our launch.
- Full document intake & organization
- Gap analysis — what a lender would flag today
- NJ structural integrity compliance check
- Annual data refresh
Your treasurer has a day job. We don't.
Now onboarding self-managed condo and HOA associations in Jersey City and Hudson County. Tell us about your building and we'll show you exactly what a lender would ask for — and what we'd need to take it off your plate.
Talk to us