HOAs In The Crosshairs?

The growing Fannie Mae and Freddie Mac blacklist for HOAs is shaping up to be more than just a headache—it’s a crisis in the making. According to a recent article in the Wall Street Journal, Fannie Mae's ineligible list has grown to 5,175 condominium and HOA communities as of March 2025, up from a few hundred before the Surfside condo collapse in 2021. As insurance carriers pull back, lenders grow wary, and more HOAs find themselves locked out of financial stability, we’re watching a nightmare unfold in front of our eyes. Click here to read more.

If communities can’t secure insurance or mortgages, their property values will plummet, leaving owners trapped in devalued assets while deterring potential buyers. The uncertainty surrounding HOA finances, the widespread issue of deferred maintenance, and the relentless external pressures from regulators and insurers are putting immense strain on this sector.

And what happens when something is squeezed too hard for too long? It bursts...

We need a solution to this and we need it fast.

That’s why we’re looking to hear from those directly impacted. If the insurance crisis or HOA blacklist has affected your community, we want to hear your story.

Please email me directly at drauch@ProTec.com!

What challenges did you face, and how did you overcome them? Your experience could help others avoid the same pitfalls and find a way forward in an increasingly difficult landscape.