Arizona Townhouse Lending Help!

[Tyrell Proby]

Hi everyone — my friend is trying to close on a townhouse here in Arizona using a conventional loan, but is having trouble. Her current lender won't move forward because the HOA isn't answering a few specific questions — mainly ones related to structural integrity and reserve funding.

From what I understand, this has become more common since that building collapse in Surfside, Florida back in 2021. Ever since then, lenders have been cautious with condos and townhouses, requiring detailed questionnaires from HOAs. The problem is, her HOA is refusing to answer certain questions — and now her loan is being held up.

I’m looking for a lender who has experience with this situation or can work around it. If you know someone who might be able to help, please message me or drop their info in the comments. I’d really appreciate it!