So you’ve gone through months, if not years, of hard work with board members, committee members, and the owners to finally amend the declaration for your community, and owners have finally approved those amendments. Celebration time, right? Well maybe, or maybe not so fast.  Unfortunately, many communities (particularly condominiums) have declarations that require a percentage of, or sometimes all, mortgagees (i.e., lenders) to approve amendments. This is in addition to owner approval. How does an association obtain this mortgagee approval, and what are the requirements?