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reserve funding

December 31, 2018 By admin

Fannie Mae Reserve Funding Requirements

The Federal National Mortgage Association (“Fannie Mae” or “FNMA”) is a government-sponsored enterprise that along with Freddie Mac is the largest holder of residential mortgages in the United States.  Increasingly, Fannie Mae is asking to see reserve studies for homeowner associations (HOA’s) and condominiums.  Their reason for asking for this analysis of the community’s reserves […]

Filed Under: Blog Tagged With: Fannie Mae, reserve funding

June 30, 2015 By admin

Why Large Associations Should Use the Pooled Method

The State of Florida accepts two primary types of reserve funding: the pooled method and the component method.  The pooled method draws reserve funds from one reserve pool.  With the pooled method, there is one reserve account balance and anywhere from a few to many reserve items. With the component method, each reserve item has […]

Filed Under: Blog Tagged With: Pooled Method, reserve funding

April 30, 2015 By admin

Why Should a Special Assessment Be a Last Resort?

The phrase “Special Assessment” can be a dirty word around a community association.  It essentially means that all members of the association pay their fraction of the cost to repair or replace something around their community at one time.  On the surface it seems like that may be an okay way to find the funding […]

Filed Under: Blog Tagged With: reserve failures, reserve funding, Special Assessment

October 31, 2014 By admin

Maximize Reserve Fund Interest

One of the powerful things about having a large reserve fund balance is the ability to gain interest earned on the money in the fund.  The last several years since the Great Recession, however, have produced paltry returns, typically less than 1% for regular savings or money market accounts. Many associations just use money market […]

Filed Under: Blog Tagged With: effective reserve funding, reserve funding, reserve planning

January 31, 2014 By admin

Reserve Study Resources

Since reserve studies and reserve funding are a niche aspect of community association planning, finding information about their background and methodology can be difficult.  There is generally a lack of easily accessible information about reserve funding on the internet or in books.  The following list is some of the best information available on reserve studies […]

Filed Under: Blog Tagged With: reserve funding, reserve planning, Reserve Study

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  • Sweeping Reserve Funding Changes for Condos and Co-ops
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  • How Does Our Reserve Fund Compare to Other Associations?
  • Fannie Mae Reserve Funding Requirements

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Most Popular Articles

  • What Your Reserves Do
  • Identifying Reserve Items
  • Reserve Study FAQs Florida
  • Reserve Study Resources
  • Five Ways to Avoid a Special Assessment

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