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Here's What You Need To Know About
Buying A House In A Homeowners' Association

A guide to living in a homeowners' association house

You’ve been looking for a family home for a while but have struggled to find something suitable. Finding that perfect property for your family is never an easy task, especially when there are various factors that you have to consider. From the amount of bedrooms that you need to the location of the property, finding your dream home is no easy task.

Home in a Homeowners Association

Finally, you have stumbled across a gem. A house that is the right proximity from your children’s school and your work, has the perfect amount of bedrooms, and a beautiful garden. The only problem is that it’s in a homeowners’ association.

It's not easy to find a family home
Looking for a family home is no easy task, so one of the options you might have
to consider is a house in a homeowner's association. 
(Image: Pixabay.com)

Not that there is anything wrong with this, homeowners’ association have many pros to them. However, as you don’t know enough about what is involved, you can't make an offer on the property.

First you need to get to grips with what living in a homeowners’ association actually entails. We have created a guide that should answer any questions that you might have.

You will have rules to follow

Before you think that having rules to follow is ridiculous, hear us out. These rules often include things like how well your property and garden must be looked after. This means that you won’t have to worry about your neighbour painting their home bright pink - every homeowner's worst fear.

Before you consider making an offer on a property, it’s a good idea to find out what the rules of the association are. The rules that are put in place are important because they will affect what you are and aren’t allowed to do.

Ensure that the property is already at the right standard

The last thing you want after purchasing your dream home is to find out that it’s not compliant with the rules. So make sure that before you even think about signing on the dotted line, that you double check that the property complies.

Check about the environmental side of things

While some homeowners’ associations are very into environmental practices, others are not. You need to check what you will and won’t be expected to do as a homeowner, to ensure that you are happy with the environmental rules in place.

For instance, some associations ban the use of compost heaps due to them affecting the appearance of the neighbourhood. While others, require all residents to make their homes as environmentally friendly as possible. This often depends on who the association is managed by, such as by Cedar HOA management, or another company.

Check about fees

Part of living in a homeowners’ association is having to pay fees each month. It’s a good idea find out how much these fees will be before you agree to buy.

It’s also worth asking for a breakdown of what your fees cover, and whether there are fines for not paying on time. These are important things to know, so make sure to find out before you agree to buy.

Buying a home in a homeowners’ association can be an incredible experience. However, you just need to ensure that before you agree to buy that you know what you are getting yourself into.

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