Selling or buying in an HOA involves two different kinds of "title" work: standard title insurance on the property itself, and a separate, HOA-specific process to pull the association's resale certificate (also called an estoppel letter), condo questionnaire, and governing documents — all of which a lender or buyer will require before closing. See our guide on selling a home in an HOA for how this fits into the overall closing timeline.
National title insurance underwriters
These are the major title insurance companies (underwriters) that back the vast majority of U.S. real estate closings, typically through a local title agent or attorney:
Chicago Title / Fidelity National Title
Part of Fidelity National Financial, the largest title insurance family by overall market share.
Doma Title Insurance Company
National title insurance underwriter.
First American Title
The largest title insurer in the U.S. by premium volume, with nationwide coverage.
Old Republic National Title
One of the "big four" underwriters, consistently ranked among the lowest in customer complaints.
Stewart Title
National underwriter with strong ratings and a large network of local agents.
Title Resources Guaranty Company
National title insurance underwriter headquartered in Irving, TX.
Westcor Land Title Insurance Company
Independent national title insurance underwriter.
WFG National Title Insurance Company
Technology-focused national underwriter and a repeat HousingWire Tech100 award winner.
HOA resale certificate & estoppel document services
These are specialty services (not insurance) that title agents, closing attorneys, and real estate agents use to request and track down an HOA's resale certificate, estoppel letter, and lender condo questionnaire — often the single slowest step in closing on a home in an HOA:
CertSimpleUSA
HOA estoppel certificate ordering service for real estate closings.
CondoCerts
Widely used resale ordering system for HOA resale disclosures, documents, and mortgage questionnaires.
HOA Docs Direct
Nationwide HOA document retrieval and property lookup service used by title agents, escrow teams, and realtors.
HomeWiseDocs
Centralized platform many management companies use to fulfill resale certificates, condo questionnaires, and governing documents online, 24/7.
Invisia
Retrieves HOA documents and estoppel certificates through relationships with 25,000+ associations nationwide.
PropLogix
Pulls HOA estoppel letters and resale certificates nationwide, managing communication and follow-up with the association.
Rexera
AI-assisted HOA document and estoppel retrieval service for title and escrow companies (formerly InspectHOA).
Related guides: Selling a Home in an HOA · HOA Buying Checklist · Unpaid HOA Dues & Liens · Understanding CC&Rs