HUD 9991 redline

OMB Approval No. 2502-0610
Expires MM/DD/YYYY

FHA Condominium Loan Level/
Single-Unit Approval
Questionnaire

U.S. Department of Housing
and Urban Development
Office of Housing

Public Reporting Burden for this collection of information is estimated to average 1.0 .75 hours per response, including the time for reviewing instructions,
searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information. An agency may
not conduct or sponsor, and you are not required to respond to, a collection of information unless it displays a currently valid OMB control number. This
information collection is required to obtain or retain benefits. This information will not be held confidential. The information is used to process single-unit
approvals for forward mortgages and Home Equity Conversion Mortgages. This information is collected to determine if a condominium project is eligible for
FHA project approval and if a unit in an approved or unapproved condominium project is eligible for FHA-insured financing. Send comments regarding this
burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the Reports Management Officer,
Office of the Chief Information Officer, U.S. Department of Housing and Urban Development, 451 7 th Street SW, Washington, DC 20410-3600 and to the
Office of Management and Budget, Paperwork Reduction Project (OMB Number: 2502-0610) Washington, DC 20503. Do not send this completed form to
either of the above addresses.

General: The Mortgagees must complete the questionnaire as outlined in Form HUD-9991 Instructions and provide the
required documentation per Handbook 4000.1, FHA Single Family Housing Policy Handbook. will identify which sections
the Condominium Association/Management Company should complete by marking the appropriate checkbox(s) below,
and complete Section 1 of this questionnaire. The Condominium Association/Management Company is to complete
Section 2 as well as any section(s) checked below and return the completed questionnaire to the Mortgagee.
☐ Section 3: Loan Level Requirements ☐ Section 4: Additional Requirements for Single-Unit Approval

FHA Case Number: ___________________________

Lender Loan Number: _______________________________

Section 1: Mortgagee Information. To be completed by the Mortgagee.
1.a. Mortgagee Information
Mortgagee Name:

FHA LenderLender ID Number:

Street Address:

State:City:

City:

Zip Code:State:

Contact Name/Title:

Contact Name:

Phone Number:Zip Code:

Fax Number:Phone Number:

Email Address:

Email Address:
Fax Number:

Section 2: Condominium Project Information. To be completed by the Condominium Association or Management
Company.
2.a. Condominium Project

Loan Level ☐

Legal Name of Project:

Single-Unit ☐
FHA Condo ID Number:

Street Address:

FHA Condominium Loan Level/Single-Unit Approval Questionnaire

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Form HUD-9991 (MM/YY(01/21)

OMB Approval No. 2502-0610
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2.b. Condominium Association
Condominium Association Name:

Association Tax ID Number:

Street Address:
City:

State:

Association Contact Name / Title:

Email Address:

2.a. Condominium Project

Loan Level ☐

City:

State:

Project Completion Date:

Zip Code:

Phone Number:
Fax Number:

Single-Unit ☐
Zip Code:

Number of Phases:

Number of Completed Phases:

2.b. Condominium Association
Condominium Association Name:

Association Tax ID Number:
City:

Street Address:
State:

Zip Code:

Phone Number:

Fax Number:

Email Address:

Contact Name / Title:

2.c. Management Company ☐ N/A
Management Company Name:
Street Address:
City:

State:

Management Contact Name / Title:

Email Address:

Zip Code:

Phone Number:
Fax Number:

Section 3: Condominium Project EligibilityLoan Level Requirements. Must be To be completed by the

Condominium Association or Management Company and usedcompleted to verify both Lloan Llevel and Single-Unit
Approval requirements. for Units located in an Approved Condominium Project/phase and Single-Unit Approvals.
3.a. Occupancy Requirements by Construction Type
1. Owner Occupancy


Owner-occupied Units include any Unit:
- Occupied by the owner for any portion of the calendar year and that is not rented for a majority of the
year;
- listed for sale, and not listed for rent, that was previously occupied by the owner, as described above; or
- sold to an owner who intends to occupy the Unit as described in the first bullet of this section.
 A Unit owned by the builder/developer is not an owner-occupied Unit.
 A Non-owner occupied Unit refers to a Unit that does not meet the requirements above.
2. Check Appropriate Construction Type for Condominium Project.
☐ Existing Construction (>12 Mo. old) ☐ Complete Legal Phase ☐ New Construction Complete (< 12 Mo. Old)
# of Units
3. Provide the Total Number of Units in the Condominium Project
FHA Condominium Loan Level/Single-Unit Approval Questionnaire

Page 2 of 8
Form HUD-9991 (MM/YY(01/21)

OMB Approval No. 2502-0610
Expires MM/DD/YYYY

i.
ii.

3.a.

Provide number of Owner-occupied Units (as described in section 3.a.1)
Provide number of Non-owner occupied Units

Occupancy Requirements by Construction Type

1. Owner Occupancy
Owner-occupied Units include any Unit:





occupied by the owner for any portion of the calendar year and that is not rented for a majority of the year;
listed for sale, and not listed for rent, that was previously occupied by the owner as described in (i) above; or
sold to an owner who intends to occupy the Unit as described in the first bullet of this section.
A Unit owned by the builder/developer is not an owner-occupied Unit.
*NOTE* A non-owner occupied Unit refers to a Unit that does not meet the requirements above.
2. Existing Construction Occupancy
# Units in
☐ Existing Construction (greater than 12 months old)
Project
a. Provide the Total Number of Units in the Condominium Project.
i.
Provide number of Owner-occupied Units (as described in section 3.a.1)
ii.
Provide number of Non-owner occupied
3. New Construction (not eligible for Single-Unit Approval)
☐ New Complete Project (less than 12 months old); or

☐ Legal Phase
Total Number of Units in the Condominium Project
 Multi-phased Condominium Project: Include the total number of Units in the first declared Legal Phase and
cumulatively on subsequent Legal Phases.
 Single-phased Condominium Project: Include all Units.
a. Provide the Total Number of Units in the Condominium Project
i.
ii.
3.b.

Provide number of Owner-occupied Units (as described in section 3.a.1)
Provide number of Non-owner occupied Units
Individual Owner Concentration

1. Does any single owner or group of related owners own more than one Unit? If “Yes,”
please complete the information in the table. A group of related owners refers to entities
with a common ownership.
2. Does the Individual Owner Concentration comply with the FHA requirement?

Yes

No

☐

☐

☐

☐

Developer
/

23. Individual / Entity Name (Attach list for additional individual owners as necessary )

BuilderS

ponsor

#Number of Units
Owned

☐
☐
Attach list for additional individual owners as required.

FHA Condominium Loan Level/Single-Unit Approval Questionnaire

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Form HUD-9991 (MM/YY(01/21)

OMB Approval No. 2502-0610
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3.c.

1.
2.
3.
4.
3.d.
1.

Property Information
Please answer the following questions. Is the Condominium Project:Is the Unit
located in any of the following:
A Condominium Project under a Leasehold Interest?
A Gut Rehabilitation (Gut Rehab) conversion project?
A New Construction project? (Including Proposed Construction, Under
Construction, or Existing Construction Less than a Year)
A Manufactured Home Condominium Project?
Units in Arrears

Yes

No

☐
☐
☐

☐
☐
☐

☐

☐

Number
How many Units are more than 60 Days past due on their Condominium Association dues
and special assessment payments? (Excluding late fees or other administrative expenses)

Insurance Requirements
Insurance
Type
1.
Does the Condominium Association have a master or blanket insurance
Walls-In
policy that includes interior Unit coverage and will cover the replacement of
interior improvements the Borrower may have made to the Unit? If “No,”
athe Borrower must obtained a Walls-In policy (HO-6) covering the same is
required. .
2.
Hazard
Does the Condominium Association have a master or blanket Hazard
Insurance Insurance policy in an amount equal to at least 100% of the insurable
replacement cost of the Condominium Project, including the individual
Units in the Condominium Project?
3.
Flood
Are Units or Common Elements located in a Special Flood Hazard Area
Insurance (SFHA)?
If “Yes,” Flood Insurance is in force equaling (select only one option below):
☐ 100% replacement cost;
☐ Maximum coverage per Condominium Unit available under the
National Flood Insurance Program (NFIP); or
☐ Some other amount (enter amount here) $_____________.

# Units

3.e.

3.f.

☐

☐
☐

Yes

No

☐

☐

☐

☐

☐

☐

Checklist of Required Documentation for All Units (Loan Level and Single-Unit Approval)
Corresponding Section
Required Documentation
3.e.1. Walls-In Insurance (if
Certificate of insurance or complete copy of the insurance policy.
included in Condominium
Association master/blanket
policy)
3.e.2. Hazard Insurance
Certificate of insurance or complete copy of the insurance policy.
3.e.3. Flood Insurance
Federal Emergency Management Agency (FEMA) flood map with the
Condominium Project location clearly marked; and, if applicable:
☐ the certificate of insurance or a complete copy of the NFIP policy;
and

FHA Condominium Loan Level/Single-Unit Approval Questionnaire

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Form HUD-9991 (MM/YY(01/21)

OMB Approval No. 2502-0610
Expires MM/DD/YYYY

3.f.

☐
☐

Checklist of Required Documentation for All Units (Loan Level and Single-Unit Approval)
☐ the Letter of Map Amendment (LOMA), Letter of Map Revision
(LOMR), or elevation certificate.
3.c.1. Property Information Leasehold agreement and any other documentation required by the
Leasehold Interest
Mortgagee to comply with FHA’s leasehold guidance.
3.c. Property Information - New
Mortgagee to determine eligibility and may request additional
Construction, Gut Rehab,
documentation for Units located in these types of Properties.
Manufactured Home

Condominium Association / Management Company Certification:
I certify that I have completed Sections 2 and 3 of the questionnaire using information and resources that, to the best of
my knowledge and belief, are correct and reliable, and that I have submitted the required documentation.
_________________________________________________
Name (printed)

__________________________________________
Title and Company Name

________________________________________________
Signature

__________________________________________
Date

Section 4: Additional Requirements for Single-Unit Approval. Mortgagee must complete this section for approval

of a Unit located in a Condominium Project To be completed by the Condominium Association or Management Company
and reviewed by the Mortgagee in combination with the information in Section 3 to verify FHA’s requirements for
approval of a Unit located in a Condominium Project that is not FHA-approved.
4.a. Project Eligibility
Does the Condominium Project, Unit(s), or Common Elements have any of the following characteristics?
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.

Cooperative ownership
Condominium hotel or “condotel”
Mandatory rental pooling agreements that require Unit owners to either rent their Units or give a
Management Company control over the occupancy of the Units
Timeshare or segmented ownership projects
Multi-dwelling condominiums (more than one dwelling per Condominium Unit)
Houseboat project
Continuing care facility
Coastal Barrier Resources System (CBRS) location
Adverse determination for significant issues identified by FHA
A Certificate of Occupancy that was issued less than one year ago or has never been occupied
Less than five Units
Located in an Approved Condominium Project or unapproved Legal Phase of a Condominium
Project with an approved Legal Phase

FHA Condominium Loan Level/Single-Unit Approval Questionnaire

Yes

No

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Page 5 of 8
Form HUD-9991 (MM/YY(01/21)

OMB Approval No. 2502-0610
Expires MM/DD/YYYY

4.ab Recorded Documents and Transfer of Control
.
1.
Have governing documents been recorded as required by applicable law? Check here if not
required: ☐
2.
Do the governing documents allow for Live/Work arrangements that comply with FHA
requirements? Does the Condominium Project allow for Live/Work arrangements?
3.
Has control of the Condominium Association been transferred from the developer/builder to the
Unit owners?
4.bc Financial Condition
.
1.
Does the Condominium Association have a reserve account for capital expenditures and deferred
maintenance? If Yes, provide the following information:
a.
Reserve Account Balance: $____________________as of ____________(MM/YYYY)
2.
Does the Condominium Association maintain separate accounts for operating and reserve funds?
3.

4.

5.

Yes

No

☐

☐

☐

☐

☐

☐

Yes

No

☐

☐

☐

☐

☐

☐

☐

☐

For projects with Commercial/Non-Residential Space, are the residential and commercial portions
of the Condominium Project independently sustainable?
Check here if not applicable: ☐
Has the project experienced a Financial Distress Event within the last 36 months?:

sought protection under bankruptcy laws;

been placed into receivership (mandated or voluntary);

been subject to foreclosure or any seizure of assets by creditors; or

offered a Deed-in-Lieu (DIL) of Foreclosure?
Provide the following information:
a. Annual Condominium Association Dues: $_____________________

Amount

b.
a.
b.
c.

Special Assessments: $____________
c.
Annual Condominium Association Dues:

$

d.
Special Assessments:__
e.
Total Combined Annual Condominium Association Dues
Reserve Account Balance:

$
$

and Special Assessments: $________________

4.cd.
1.
2.
3.

Commercial/Non-Residential Space
Total square footage of the Condominium Project
Total square footage of Commercial/Non-Residential Space
Total square footage of the Residential Space

☐ N/A

Sq. Footage

4.de. Additional Insurance Requirements for Single-Unit Approval
Insurance Type
1.
Liability
Does the Condominium Association maintain a comprehensive Liability
Insurance
Insurance policy for the entire Condominium Project, including all common
FHA Condominium Loan Level/Single-Unit Approval Questionnaire

Yes

No

☐

☐

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Form HUD-9991 (MM/YY(01/21)

OMB Approval No. 2502-0610
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4.de. Additional Insurance Requirements for Single-Unit Approval
areas, Common Elements, public ways, and all other areas that are under its
supervision, in the amount of at least $1 million for each occurrence?
2.
Fidelity
Does the Condominium Association maintain Fidelity Insurance for all officers,
Insurance
directors, and employees of the Condominium Association and all other
persons handling or responsible for funds administered by the Condominium
Association (including Management Company)?
3.
Hazard
Does the Condominium Association have a master or blanket Hazard Insurance
Insurance
policy in an amount equal to at least 100% of the insurable replacement cost of
the Condominium Project, including the individual Units in the Condominium
Project?
4.
Flood
Are Units or Common Elements located in a Special Flood Hazard Area (SFHA)?
Insurance
If “Yes,” Flood Insurance is in force equaling (select only one option below):
☐ 100% replacement cost;
☐ Maximum coverage per Condominium Unit available under the
National Flood Insurance Program (NFIP); or
☐ Some other amount (enter amount here) $_____________.

4.ef. Litigation
1.
Is the Condominium Project or Condominium Association subject to any pending Litigation risk?
If “Yes,” provide a signed and dated explanation.

☐

☐

☐

☐

☐

☐

Yes

No

☐

☐

4.g. Additional Required Documentation for Single-Unit Approval
Section
Required Documentation
4.b.
Recorded
Documents
and
Recorded Covenants, Conditions and Restrictions (CC&R) and bylaws.
☐
Transfer of Control
Recorded Site Condominium plans and recorded CC&Rs.
☐ 4.d. Commercial/Non-Residential
Space
 a current year budget approved by the board(s);
☐ 4.c. Financial Condition – only
Required for Projects with
 an income and expense statement for the previous year’s end results;
Commercial/Non-Residential Space
 a year-to-date income and expense statement dated within 90 days if
the prior year-to-date actuals are more than 90 Days old; and
 a current balance sheet dated within 90 Days prior to the date of
submission.
Certificate of insurance or a complete copy of the insurance policy.
☐ 4.e.1. Liability Insurance
Certificate of insurance or a complete copy of the insurance policy from
☐ 4.e.2. Fidelity Insurance
the Condominium Association and/or from the Management Company.
Explanation for pending Litigation.
☐ 4.f.1. Litigation
Condominium Association / Management Company Certification:

I certify that I have completed Section 4 of the questionnaire using information and resources that, to the best of my
knowledge and belief, are correct and reliable, and that I have submitted the required documentation.
FHA Condominium Loan Level/Single-Unit Approval Questionnaire

Page 7 of 8
Form HUD-9991 (MM/YY(01/21)

OMB Approval No. 2502-0610
Expires MM/DD/YYYY

_________________________________________________

__________________________________________

Name (printed)

Title and Company Name

________________________________________________

__________________________________________

Signature

Date

Mortgagee’s Certification:
I, the undersigned, certify that the information provided above was collected within the last 90 days and accurately
represents the information obtained from verifiable and reliable sources including a Condominium Association, public
records, independent third parties or other data sources. The information and statements contained in all sections of
the questionnaire are true and correct to the best of my knowledge and belief and that all required documents have
been provided.
I have received the completed questionnaire from a reliable source and, to the best of my knowledge and belief, the
information and statements contained in all sections of the questionnaire are true and correct.
_________________________________________________

__________________________________________

________________________________________________

__________________________________________

Name (printed)

Signature

Title and Company Name

Date

WARNING: This warning applies to all certifications made in this document.
Anyone who knowingly submits a false claim, or makes false statements is subject to criminal and civil penalties, including confinement for up to
5 years, fines, and civil penalties. 18 U.S.C. §§ 287, 1001 and 31 U.S.C. §3729

FHA Condominium Loan Level/Single-Unit Approval Questionnaire

WARNING: This warning applies to all certifications made in this document.

Page 8 of 8
Form HUD-9991 (MM/YY(01/21)