HOAs In Texas—Understand Their Guidelines Prior To Purchase

Real Estate Agent with Jeff Fritzson Real Estate, Ebby Halliday Realtors 0629874

Many people have heard the nightmares of HOAs. However, the majority of HOAs are simply enforcing the guidelines (CCRs—covenants, conditions and restrictions) that every homeowner in the neighborhood agreed to abide by when they purchased their home. HOAs are not the devil.  HOAs conduct their business based on the By-laws of the association. The rules they enforce are written in the CCRs. A good explanation of an HOA's by-laws and CCRs is located here.

When you purchase a home in Frisco Texas and you read in the contract that membership in the HOA is mandatory and the title company reaches out to get the HOA documents you are entitled to read them and within a certain number of days decide if you have an objection. You can actually decide not to move forward. You will get your earnest money back and you can find a home in a different HOA or an area with no HOA.

If you decide to move forward then you are agreeing to abide by the CCRs and the by-laws of the HOA. Most CCRs provide guidelines regarding how your home looks on the outside. Any landscaping changes, house colors, front door colors, fences, pergolas, extensions, pools, etc...are all governed by the CCRs. The city will have certain building ordinances that must be followed. The HOA may have the same or even stricter guidelines that will also have to be followed.

If you are purchasing a home and thinking that you can add or extend a fence, change the color, add a pool, build a covered porch or patio, then please take the time to read the CCRs. This will save you a lot of headaches in the future. If you are not happy with the CCRs, then find out how easily the CCRs can either be changed or have a variance issued. If this does not satisfy you then it is time to find a different home. You do not want to buy into a neighborhood where you may end up not being able to do what you want with your home. The penalties that an HOA can impose are substantial. To better understand the pros and cons of an HOA you can find out more here.

When you are searching or selling your home in Texas and in particular North Texas, please give me a call. You will find out what my other clients know—Your Success is My Focus.


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Jon Kolsky
Kolsky Realty & Management - Long Beach, CA
Licensed California Real Estate Broker

Jeff~ awesome post! There are many advantages living where there are CCR's and just as you mention it is 100% imperative that potential buyers understand all the rules and restriction they will have to live by....

Jul 21, 2014 02:07 AM #1
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Outstanding post! Unfortunately some agents don't do a good job explaining HOA information to prospective buyers and often find out things after that fact which causes real problems.

Thank you for commenting on my post.

Jul 21, 2014 02:32 AM #2
Than Maynard
Coldwell Banker Heart of Oklahoma - Purcell, OK
Broker - Licensed to List & Sell - 405-990-8862

HOAs are often times a necessary evil, especially with rural developments. You should be very familiar with the HOAs docs before buying.

Jul 21, 2014 02:40 AM #3
Marilyn Wier
RE/MAX Space Center - League City, TX
Your League City & Surrounding Areas REALTOR!

HOA's can be a blessing and in some cases a curse! It is very important for potential buyers to read through the HOA rules and regs.

Jul 21, 2014 03:03 AM #4
Jeff Fritzson: Frisco Real Estate Pro
Jeff Fritzson Real Estate, Ebby Halliday Realtors - Frisco, TX
Your Success is My Focus!

Hey Jon - thank you for your kind words. Just when you think you have seen it all a hoemowner gets upset with the HOA because they did not read the restrictions.

Hello Joe - your house maybe your castle on the inside but HOAs can have an awful lot to say about your outside. Too bad people don't take the HOA restrictions seriously prior to purchase.

Hi Than - my aim is to try to remove the implication of a necessary evil. Unfortunately they are more like police. Trying to protect the neighborhood.

Hi Marilyn - blessing or curse, if you live in an area with an HOA, most are thankful when you stop that neighbor from putting a chicken coop or painting their house purple.

In reality, HOAs are merely doing what you pay them to do—keep your property values as high as they can be within their capabilities. Thank you all for your comments and taking the time to read the post.

Jul 21, 2014 04:14 AM #5
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Jeff Fritzson: Frisco Real Estate Pro

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