1. Management fee, or common charge, is often due every month, and the property tax is due every month, quarter, half year or one year. So you probably mean property tax, which has nothing to do with the HOA or Management company. The property tax payment history is a public record.
2. I don't remember HOA disclosed the late payment of common charges when I do refinancing. You need to check the copy of the form to make sure.
3. HOA might have been too "agressive" to collect the common charge and late fees (as opposed to 物業公司沒有去按時催繳物業費). They could put a lien on property if the owner default common charge for too long. The lien is a public record,and possibly prevents other home owners from refinancing.
4. $150 charge for a form is kind of expensive. We get refinancing documents from HOA for free. You have to ask HOA what this fee is based on.
5. You should participate HOA election and b oard meetings more often, so you can express your concerns (about the charge for example) and know what is going on (about the late payments and procedure to collect them for example). HOA has to disclose its financial every year.
Do you know a member of HOA board? Maybe you can ask his opnion before you go to see the HOA management office. I just feel you may have some misunderstanding about the whole thing.
