HOA/Condo docs: what buyers should review
What to review in HOA and condo documents: rules, reserves, special assessments, and red flags that affect cost and lifestyle.
Key documents
- Rules & restrictions (rentals, pets, parking, exterior changes).
- Budget and reserves (is the association saving enough?).
- Special assessments and pending projects.
- Insurance coverage and deductibles.
Practical tip
Compare HOA costs and risk using the mortgage comparer and keep a buffer for assessments.
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