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We are a small condominium, 72 units in half villas and half apartments. We're currently dealing with requests for documentation for loan re-finance, and the paperwork is unbelievable. Our owners have been put through the wringer trying to get documents that don;t exist or cannot be provided by us. In one request for an Attorney's Opinion Letter, the lender's attorney refused to provide it (not familiar with Florida law), the Association attorney refused (potential conflict of interest), and the Association is not empowered to do it. There was no way for the owner to provide what was being asked. We finally agreed that we would ask our attorney to provide the letter to us, and then give it to the owner, at a cost of $2,000 to check the Docs against the Statutes of Florida and certify that the Docs are in conformity. The irony is that if they are not , the Statutes trump the Docs anyway, so there is absolutely no need for this expensive piece of paper. In another case, the underwriters want an original Declaration that was superseded in 2004 by a complete revision. Why, since it's no longer valid? Please write or call the congress members to tell them the housing bill will never work if these are the roadblocks thrown into the path of homeowners trying to re-finance. Charleen Gorbet, President Woodland Green Condo Assn. Inc., Sarasota, FL