Owner Condominium Document Withdrawal
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FAQ
HRAP stands for HUD Review Approval Process. This is where FHA itself approves a complex based on the package sent in by the condo's governing body, usually the homeowner's association or management company. The other type of approval is called DELRAP, or Direct Endorsed Lender Review Approval Process.
HUD Review and Approval Process (HRAP). Direct Endorsement Lender Review and Approval Process (DELRAP), outlined in this Mortgagee Letter. This option is only available to lenders who have unconditional Direct Endorsement authority and staff with knowledge and expertise in reviewing and approving condominium projects.
Sec. 67. (1) A change in a condominium project shall be reflected in an amendment to the appropriate condominium document. An amendment to the condominium document is subject to sections 90, 90a, and 91.
A condo development that wants FHA approval needs to pass the HUD Review and Approval Process (HRAP) or, for lenders, the Direct Endorsement Lender Review and Approval Process (DELRAP). These approval processes can take longer for older properties with more unusual features.
A condominium is a form of property ownership involving multiple-unit dwellings where a person owns his or her individual unit, but the common areas are owned in common. All members share in the costs and maintenance of the common areas.