Don't worry! All is not lost! I recently had the same situation with a condo in Medford. I was the listing agent and the buyers needed the FHA product to purchase my listing. In this particular case, the buyers did not qualify for the Mass Housing loan but most do (and it's a better alternative than the FHA product if one wants to avoid paying PMI). Have they checked that out? If the Mass Housing product won't work and you MUST get the condo complex approved by HUD, the process was very quick with Christina Longo from Prospect Mortgage. She sent me a list of what was needed from the association, we sent it, and she got it done! It was my first time dealing with her (the buyers' agent recommended her) and I was very doubtful that it could be done, but I was pleasantly surprised. The buyers would need to use her to get their financing though. If they are open to that, give her a call at 617 236 7764 (o) or 978 886 9359 (m), Christina.email@example.com. Best of luck!