Buying a Home in an HOA?

Reblogger Pat Starnes-Front Gate Realty
Real Estate Agent with Front Gate Real Estate Broker 11085

Love them or hate them, if you're buying a home within the confines of an HOA, you need to understand the rules before completing your home purchase. Your Realtor can provide you with a copy of the Rules and Regulations (Restrictive Covenants) before you consummate your purchase. Below is an excellent article of items to be aware of before you complete your home purchase within an HOA.

Original content by June Piper-Brandon MD RE License 579412

Buying a Home in an HOA?

Are you considering a home in an HOA? Before you finalize your contract here are a few questions you should be asking:

  1. What are the HOA fees and what do they cover? Do the fees cover street maintenance or are the streets county streets? Who handles snow and trash removal?
  2. Are there any upcoming assessments?
  3. What are the rules and regulations of the HOA?
  4. How is the HOA managed? And, by whom? Are there regular HOA meetings? When are they held?
  5. Are there any restrictions on renting out property or doing short-term rentals, like AIRBNB?
  6. What is the process for making changes to your property?
  7. How are disputes resolved?
  8. What amenities are available and how are they maintained? Are there extra fees for amenities, like a community pool?
  9. Is there a reserve fund for major repairs and replacements?
  10. Can you review the HOA's financials and meeting minutes?  

These are just a few questions you should ask when you are purchasing a home located in an HOA, and if you don't like the terms in the HOA resale package you can withdraw your offer and move on to another property.

Thinking about buying a home? Let's talk, I can help guide you through the process, help you identify the things that are most important to you in a home then help keep you on track to homeownership.  Call #YourRealtorJune today!!


Creating generational wealth, one home at a time. If you are thinking of buying a home,  did you know I can help you find a home for as little as $1000 of your own money?  Thinking about selling a home in  Maryland give me a call at 410-292-0100 or start your search here and I'll talk about the market conditions and what your home could be worth in today's marketplace if you are thinking of selling.  If you are considering buying a home, there is no better time than now to buy. The tax savings and wealth building alone are worth the plunge into today's market. Coldwell Banker and I are connected with some of the world's brightest and best real estate agents and can assist with your move here to Maryland or anywhere in the United States or abroad.  Ask me how.

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June Piper-Brandon ~ Associate Broker ~ MRP, AHWD, CDPE, ePro

Coldwell Banker

410-292-0100 - Direct   410-461-7600 Office

June Piper Brandon - Agent with Century 21 New Millennium

June Piper Brandon - Agent with Century 21 New Millennium


Michael Elliott
Fathom Realty - Burlington Township, NJ
Burlington, New Jersey Residential Sales

This was a great  reblog!  Both benefits and negatives to living in an HOA. 

Jun 09, 2024 10:55 AM
June Piper-Brandon
Coldwell Banker Realty - Columbia, MD
Creating Generational Wealth Through Homeownership

Thanks for the reblog Pat, I appreciate it. So many agents don't know the process and if they don't how do buyers stand a chance?

Jun 09, 2024 11:19 AM
Pat Starnes-Front Gate Realty
Front Gate Real Estate - Brandon, MS
601-991-2900 Office; 601-278-4513 Cell

Thanks Michael Elliott and June Piper-Brandon - most unhappy homeowners just go to social media to express their displeasure, but rules are in place for a reason. As a Realtor, I certainly understand the reasoning behind HOAs, but I've also seen some directors go on a power trip and be over-zealous over enforcing the covenants. I'm all for a happy medium. :)

Jun 09, 2024 12:00 PM
George Souto
George Souto NMLS #65149 - Middletown, CT
Your Connecticut Mortgage Expert

Pat Starnes-Front Gate Realty I have never lived in a home or condo that was part of an HOA, and given my personality, I am not sure I would be able to live with the restrictions.

Jun 09, 2024 12:30 PM
John Pusa
Glendale, CA

Hello Pat Starnes-Front Gate Realty these are very valuable list of educational questions for buying a home in an HOA.

Jun 09, 2024 01:32 PM
Pat Starnes-Front Gate Realty
Front Gate Real Estate - Brandon, MS
601-991-2900 Office; 601-278-4513 Cell

George Souto , I am quite sure you keep your yard mowed and flower beds weeded, which is a huge benefit of living within an HOA. Not all neighbors keep their yards maintained so the HOA is a nice reminder to get it down. Boat parking, on the street parking, etc., is another common nuisance.

Jun 09, 2024 05:20 PM
Endre Barath, Jr.
Berkshire Hathaway HomeServices California Properties - Beverly Hills, CA
Realtor - Los Angeles Home Sales 310.486.1002

Nice reblog, I seldom reblog over the decades I have been here:)Endre

Jun 09, 2024 10:21 PM
Richard Weeks
Dallas, TX
REALTOR®, Broker
Great information, thanks for sharing.  I hope you have a great day.
Jun 10, 2024 03:34 AM
Pat Starnes-Front Gate Realty
Front Gate Real Estate - Brandon, MS
601-991-2900 Office; 601-278-4513 Cell

Good morning, gents!

Endre Barath, Jr. - same here, but this post was worth sharing. :)

Richard Weeks - I find the more we talk about HOAs, the better informed the public is. Hope you have a great day, too.

Jun 10, 2024 10:00 AM