Finding a new home is a complicated, time consuming project. Taking the time to evaluate your new neighborhood can be just as important for many reasons. Ask your realtor, potential neighbors and even the person selling the home about the area. These are your greatest and most reliable resources for information. Special consideration must be made when moving into a community with a homeowners association (HOA) though. Every HOA is unique and has its own rules and regulations so you will want to be familiar with them before you move in. By understanding the protocol of your HOA, you will know what to expect in regards to fees, meetings and policies. They can tell you where your dues money is going and how to deal with a neighbor who is breaking the rules. Asking the right questions of your HOA now can help you avoid problems later on.

Important Questions for your HOA

You will want to understand what, if any, regulations exist to deal with excessive noise or parking discrepancies. This will help you to avoid breaking the rules as well as inform you of who to notify in the event of a problem with a neighbor. You may also want information on board meetings or elections to help you stay involved with your HOA. Ask for a calendar of events as well as a fee schedule that itemizes due expenditures.

One very important issue to be aware of are the guidelines for outdoor landscaping and holiday decorations. For example, your HOA may only allow holiday lights to be up between November 15 and January 15 to prevent eyesores throughout the warmer months. Others may have stricter guidelines that regulate the color of your house or even the texture of your driveway. If you do not want to live with these kinds of restrictions on your personal expression, you may want to consider a different type of neighborhood.

Does this Community Work for your Lifestyle?

Some developments are structured around a theme, like a lake subdivision or a golfing subdivision. Many developments brand themselves as "family-friendly," so if you're seeking a quiet retirement home, be sure to ask your potential HOA first. You may also be paying for amenities you do not want or need.

Restrictions and Expectations

Once you have covered the basics, think about any questions that specifically involve your family's unique situation. Are there rules about pets? Find out about any breed, size or other limitations before you move to avoid a disastrous situation. There may very well be rules about leashing your dogs on walks and of course disposing of waste. If you have children, ask if there are curfews or other restrictions in effect on the community level. A thorough understanding of your HOA’s expectation of their residents can make a substantial difference in your home buying decision.