Where to Find Your Homeowners Association (HOA) Rules and Governing Documents
Your purchase of a home comes with a set of rules and regulations. These are the bylaws, covenants, and restrictions (CCRs) that govern the behavior of homeowners within the community. Understanding these rules is essential for maintaining a harmonious living environment. This article will guide you through the process of locating your HOA rules and governing documents.
Online Access and Availability
First and foremost, many HOAs now have their governing documents available online. These documents include the CCRs, by-laws, rules, and regulations, as well as current financial statements and reserve studies. Most of these documents are updated regularly, ensuring you always have the most current information. If you're unable to find these documents online, there are other ways to obtain a copy.
Requesting a Copy
If the HOA or property management company does not have the documents available online, you can request a full updated copy of the 'resale package' documents. There may be a fee for this service, but it is usually provided for a nominal charge. Additionally, you should receive written updates whenever rules are added, deleted, or changed. This includes notifications for meetings where changes are discussed, as well as annual financial updates, typically delivered via email or a link to access the documents online.
The HOA as the Primary Source
The HOA should be your primary source for obtaining governing documents. Their website, homeowner portal, or the HOA Directors themselves should be able to provide you with all the necessary information. However, if the HOA is unresponsive, you can always contact your city or county. Governing documents are considered official records and are required to be provided with every home sale. You can also retrieve your HOA's governing documents from them.
Payment and Services
Payment for HOA fees and the associated documents is an important aspect of homeownership. Typically, the HOA will provide the documents as part of your closing documentation. However, if you did not receive them, you can contact your association Board or property manager to request a copy. You may be charged a fee, but the information is usually provided at a low cost.
Additional Resources
In states where the sellers or HOA are required to send a comprehensive list of documents before closing the sale, you will receive a full set of HOA foundation documents, such as CCRs, incorporation documents, by-laws, rules, and regulations, current financial statements, and reserve studies. If you are already a member, you can request documents from your HOA board or management company. While there may be a fee for copies, the essential information is generally provided at a very reasonable cost. In my state, for example, my HOA has all documents online for members to access.
For more information, feel free to reach out to your HOA or local municipality. Understanding and complying with HOA rules can help you avoid fines and maintain a pleasant living environment. Keep this guide handy to ensure you always have the necessary documentation at your fingertips.