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HOA Estoppels
Accurate payoff information. Clear communication. No last-minute surprises.
HOA estoppels can make or break a closing timeline.
Between fees, rush requests, and inconsistent responses, it’s easy for things to get delayed—or worse, come back incomplete.
Our HOA estoppel services are designed to keep things moving with accurate information, clear communication, and a team that actually follows through.
What is an Estoppel
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An HOA estoppel letter provides a detailed breakdown of all amounts owed to a homeowners' association for a specific property.
This typically includes:
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Outstanding balances
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Assessments and dues
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Transfer fees
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Violations or fines
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Special assessments
It’s a critical piece of the closing process, and accuracy matters.
What's Included
We make sure you get everything you need—clearly and completely.
✔ Verified balances directly from the HOA
✔ Clear breakdown of all fees and amounts owed
✔ Supporting documentation when available
✔ Status updates throughout the process
✔ Organized, easy-to-read delivery
No confusion. No chasing. No surprises.
Why Elite
Let’s be honest—this is where things usually fall apart.
Missed follow-ups. Delayed responses. Incomplete information.
That’s not how we operate.
At Elite:
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We actively follow up with HOAs (because we know they don’t always respond the first time)
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We track timelines so things don’t fall through the cracks
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We communicate updates so you’re never left guessing
We don’t just place the request—we manage the process all the way through.
April, Assistant Manager
How Our Process Works
We keep things simple and transparent from start to finish.
1. Order is placed
Submit your request through our system in just a few clicks or through one of our integrated services.
2. Assigned to a researcher
A dedicated team member begins working on your file
3. Research in progress
We initiate contact, gather all required steps, and begin the order. We stay on it until we get what’s needed.
4. Report review
Our team checks for accuracy and completeness
5. Delivered to you
Ready for use, with everything clearly outlined
You’ll also receive updates along the way so you’re never left wondering where things stand.
FAQ's
What if I have no information on the HOA?
No problem at all! We are researchers, not paper pushers. It is our job to do the research.
What is the expected turnaround time for estoppels?
Pursuant to FL Statute 720.30851, an association has 10 business days from the date of the received estoppel request to send back the completed estoppel certificate.
What if the file cancels?
The preparer of the document has 30 days (from the time they receive the refund request) to issue a refund. If we are unable to successfully obtain a refund within 30 days, the invoice for the Estoppel fee payment will be due. Should we receive the refund before you pay, a new adjusted invoice will be issued. If a refund is received after you have paid, we will send you a refund.
Stories From the Trenches
I want to tell you a story that still makes our office laugh.
We once had a file where, for the life of us, we could not get a response from the HOA board. No emails returned. No calls returned. Nothing. Just total radio silence.
We followed up. And followed up again. And again.
At some point, it crossed the line from frustrating to… almost comical. And not in the funny way.
Then we realized something: the address we had been sending requests to was actually local to us.
