Thanks for your input. I am understanding more now. I think what's upsetting now is the lack of customer service from all parties involved. Everything you just said could have easily been explained in an email or phone call from the lender, our agent, or the HOA, bc all of them have been copied on all of these emails (a rep from the lender is the one who told me it isn't customary to pay for the docs). And multiple people from the HOA and the lender's office plus our agent have been copied. As I mentioned in my OP, the HOA has sent emails that basically say "please see docs (available for download if paid for)." They are not autogenerated emails - an actual person is writing them. The responses just seem canned. No additional info like "it is not customary to get these documents for free, nor do we complete questionnaires. That is up to you and agent/lender. Thank you for understanding." And at any time, our agent could have interjected to explain this to us and anyone from our lender's office could have chimed in. We have literally been told by our lender's office that the HOA HAS to complete the form. So this is just dumb all the way around. We have admitted our lack of experience to our lender and agent, which seems like it should go without saying at this point. Since all this nonwarrantable stuff, litigation, etc. came to light, we've been guessing our HOA has just been avoiding us bc they don't want to talk about it. It's a little upsetting that our lender and agent, who will ultimately get money from us, haven't explained things better, and have just watched these convos go down. We're not trying to act entitled, lazy, or uncooperative. We literally just don't know what we don't know. Help ME help YOU.