HOA resale certificates and estoppel letters, drafted from the association's records for your manager to sign.

A home goes under contract and the closing agent orders the association's paperwork, often through a portal such as HomeWiseDocs or CondoCerts, sometimes by email with only a street address. Your resale desk matches it to a lot and an association, pulls the governing documents, budget and insurance, checks the violation log and the minutes, and fills in the state's form before the deadline.

For the test, AI does that on copies of orders your team already filled. It drafts the certificate: the association and any master association, the regular assessment and how often it falls due, approved special assessments, open violations, transfer approvals, lawsuits, insurance and fees, each with its source record. This step is the sandbox. Every line about what the seller owes stays blank.

Four states, four names, four clocks. Florida calls it an estoppel certificate and gives the association 10 business days; it stays good for 30 days if handed over or sent electronically and 35 days if mailed. Texas wants a resale certificate within 10 business days, prepared no more than 60 days before delivery, and an update within 7 business days if the original requester asks within 180 days. California's section 4530 allows 10 days from the request for the documents section 4525 lists, with a fee estimate on the section 4528 form first. Virginia's Resale Disclosure Act allows 14 days, after which the certificate is deemed unavailable. The draft sets each due date from the request date and the state.

Most of the questions are not about money. Florida's form asks whether a violation notice is open in the official records, whether the board must approve the transfer and has, whether a right of first refusal exists, and which other associations the parcel belongs to. Texas wants the style and cause number of any pending lawsuit, government notices of health or housing code violations, and whether the restrictions allow foreclosure of the association's lien. California adds any unresolved notice of violation and the latest balcony and deck inspection report under section 5551. Virginia's certificate goes on the Common Interest Community Board's form, supporting documents in the statute's order, from flag, solar and sign rules to the annual report filing number.

A wrong answer can bind the association. Under Florida's section 720.30851, the association gives up any right to collect more than the certificate states from someone who relies on it in good faith. It may send an amended certificate at no charge, and if it misses the 10 business days it may charge no fee. So the draft names the record behind each answer: a meeting's minutes, the violation entry, the insurance declarations page.

Fees follow their own rules. Florida sets a cap by statute, adjusted every five years for inflation and published by its Department of Business and Professional Regulation, with an added fee for delivery within 3 business days. California wants each document's fee itemized, based on actual cost and never bundled with other charges. The draft fills fee lines from your contract's schedule and flags anything not on it. It never sets a fee.

Orders rarely match your records cleanly. A street address may point to a lot in both a master and a neighborhood association, each with its own certificate and fees. Texas lets the association ask for evidence of the buyer's right to the property first; Virginia bars it from requiring the buyer's name. The draft lists each association it matched and why, and marks orders it could not match.

With your reviewer's yes, new resale orders for the associations you choose run through the job for about 30 days.

Each draft waits for your resale coordinator or manager to fill the balance lines, sign it and deliver it through the portal or channel you use today. The AI never posts a certificate or answers a closing agent. No second job starts that month.