HOA Agreement
HOA rules can tell you what color to paint your door.
Homeowners association documents — CC&Rs, bylaws, and rules — govern nearly every aspect of your property. Many buyers don't read them until after closing. Upload yours and get a plain English breakdown of dues, fines, rental restrictions, and what the HOA can do if you don't comply.
Here's what we typically find in a hoa agreement
HOA can levy special assessments up to $10,000 without a vote
The board can impose a one-time special assessment of up to $10,000 per unit for any capital expense without a homeowner vote.
Short-term rentals (Airbnb) are prohibited
Leases shorter than 12 months are banned. Violating this restriction can result in fines of $500 per day.
HOA can place a lien and foreclose for unpaid dues
Dues delinquent for more than 60 days become a lien on your property. The HOA may initiate foreclosure proceedings after 90 days.
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What we look for
Monthly dues and special assessments
Your regular dues plus the HOA's authority to levy one-time special assessments — sometimes without a homeowner vote.
Fine schedule
The exact dollar amounts for violations like unapproved modifications, parking infractions, or lawn maintenance failures.
Rental restrictions
Whether short-term rentals (Airbnb) are banned, how many units can be rented at once, and minimum lease lengths.
Architectural control
What changes require HOA approval before you make them — paint colors, landscaping, additions, even window treatments.
Lien and foreclosure rights
Unpaid dues become a lien on your property. Some HOAs can foreclose for unpaid assessments.
Amendment process
How many votes it takes to change the rules — and whether the rules could change significantly after you buy.
Common questions
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