Obtaining HOA Documents is Complicated

Why Obtaining HOA Documents in Colorado Is More Complicated Than You Think

When you're managing a real estate transaction, time is money—and few things can derail a closing timeline like chasing down HOA documents. For title companies, the process of obtaining these documents isn’t just tedious—it’s often confusing, inconsistent, and full of legal landmines.

Here’s why identifying the right contact for HOA documents is more complicated than it seems—and how COCRS can help you avoid the pitfalls.

🧩 The HOA Contact Maze: Board or Management Company?

Every HOA operates differently. Some are self-managed by volunteer homeowners. Others are run by third-party management companies. And some… well, they’re somewhere in between.

The challenge? There’s no central database. No standardized contact method. And no guarantee that the information you find is even current.

🔍 Why It’s So Hard to Find the Right Contact

Even seasoned title professionals run into these issues:

• Outdated or missing contact info in public records
• Unresponsive board members who’ve moved or resigned
• Management companies that have changed—sometimes more than once
• Inactive or defunct HOAs that still legally exist but don’t function

You might spend hours digging through Secretary of State filings, seller disclosures, and title commitments—only to hit a dead end.

🛑 Legal Timelines Don’t Wait

Under Colorado law, sellers are required to provide a full HOA disclosure package—including governing documents, financials, and meeting minutes. But if the HOA is unresponsive or disorganized, you’re still on the hook to close on time.

And if the wrong documents are delivered? That could mean delays, liability, or even a canceled deal.

🧭 What Title Companies Can Do (and Why It’s Not Enough)

You can:

• Ask the seller or listing agent (if they know)
• Search the Colorado Secretary of State’s website
• Call every number you can find online
• Hope someone eventually replies

But this process is manual, inconsistent, and risky—especially when you’re juggling multiple closings.

✅ How COCRS Simplifies the Chaos

At COCRS, we specialize in navigating the HOA maze so you don’t have to. We:

• Identify the correct contact—board or management company
• Track down hard-to-find HOAs, even inactive or self-managed ones
• Ensure compliance with Colorado disclosure laws
• Deliver complete, accurate document packages—fast

We’ve seen it all: HOAs with no website, boards that meet once a year, and management companies that ghost everyone. We know how to get results.

📥 Want to Save Time and Reduce Risk?

Let COCRS handle the HOA document retrieval so your team can focus on what you do best—closing deals on time.