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Posted on Tue, Jun. 10, 2008=20


Homeowner's associations
Before buying into a multifamily residence, be sure to carefully =
research the ins and outs of the homeowner's association
Charles Scutt=20

Home shoppers who yearn to own a property without all the normal upkeep =
like mowing, raking and shoveling typically end up purchasing an =
attached multifamily residence like a condominium or townhome unit. =
While these homes offer many convenient perks, they come with an added =
price: a required monthly maintenance assessment fee that covers the =
costs of these services, which are managed by the community association, =
also called the homeowner's association.

An HOA is an organization of homeowners residing within a particular =
multifamily development or subdivision that is in charge of preserving =
community grounds and facilities and providing services for the common =
benefit of its residents.

These grounds usually include the parking lot, shared hallways, the =
gated entrance, any sports or fitness facilities and more. Depending on =
the community, the HOA often has a governing board responsible for =
representing the property's homeowners, hiring property managers and =
maintenance providers.

Some HOAs acquire a bad reputation for being too restrictive or =
dictatorial due to poor planning and mismanagement of funds. For these =
and other reasons, it's important to do your homework on the association =
carefully before purchasing in that community, say the experts.

"If there are serious problems in an association, it should be a factor =
in your decision to purchase a unit in the association," says Kenneth =
Arnold, CEO of Association Financial Services, Hallandale, Fla., who =
recommends asking a number of important questions of the HOA before =
signing a contract. These include:

. What are the current assessment fees and how often are they charged?

. Have there been any special assessments discussed or planned and, if =
so, for what purpose and how much?

. What is the current past-due balance and aging profile?

. What percentage of the accounts receivable are paid on time every =
month?

. If the HOA is not receiving 100 percent of their assessments on time, =
is the budget artificially increased so that the good-paying owners are =
compensating for the shortfall, or are they cutting services to =
compensate?

. If they cut services, which have been cut or reduced?

. Are the accounts receivable serviced by an independent third party =
other than the property manager to prevent a conflict of interest?

. Are there structured accounts receivable policies and procedures in =
place that reduce the risk of loss to the HOA and the owners?

Bonnie Russell, owner of 1st-pick.com, an agent-matching service based =
in Del Mar, Calif., suggests also asking other important questions, such =
as:

. What are the reserves?

. How many homes are owner-occupied?

. Is there any pending litigation?

. How many units are in foreclosure? Is the HOA working with the banks =
to get the balance paid off prior to foreclosure? How much of the =
reserves will be dedicated to upkeep of the foreclosed units?

Also, prior to purchasing an attached home, it's imperative to ask the =
HOA about limitations and restrictions regarding parking, pets, outdoor =
d=E9cor/furniture and grilling, says Robert Jenson, founder/CEO of The =
Jenson Group, Las Vegas.

"The HOA should provide you with all the answers you are seeking or, at =
the very least, the means for you to find those answers," Jenson says.

Keep in mind that an HOA has no legal responsibility to provide =
covenants, conditions and restrictions to nonmembers of the HOA, says =
Kraig Kast, CEO of Atherton Trust Co., Redwood Shores, Calif. Most =
states require the seller to provide a copy of the CC&Rs to prospective =
buyers, but the seller of the home you're interested in should get =
answers to your questions from the association.

If these answers are inadequate, "I would question whether I would buy =
in that community," Kast says.

If you have a real-estate attorney lined up, it's probably a good idea =
to have this expert review the CC&Rs and bylaws before purchasing the =
property, "but there's no need to hire one just for this purpose unless =
there is active litigation going on" at the community, says Jenson.

Another good idea is to request a copy of the HOA's meeting minutes for =
the last year, says Kast.

"In the minutes, you will learn about anticipated assessments and other =
issues that are not in the CC&Rs. If you know an assessment is coming, =
you can negotiate the selling price to cover that assessment."

Kast says he also would recommend walking the streets of the association =
community on a weekend when people are likely to be outside their homes.

"I would ask them what it's like living there and what the board is =
like. If you get a lot of negative feedback, I would consider another =
place to live."

Additionally, "speak with residents in neighboring communities who may =
have heard rumors and may be more apt to discuss since their community's =
home resale prospects won't be affected," Jenson says.

Lastly, try researching the HOA on the Internet, and try to attend a =
board meeting if you're allowed, says Arnold.

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<DIV class=3Darticle_timestamp>Posted on Tue, Jun. 10, 2008 =
</DIV><BR><!-- startclickprintinclude -->
<H1>Homeowner's associations</H1>
<H2>Before buying into a multifamily residence, be sure to carefully =
research=20
the ins and outs of the homeowner=92s association</H2>
<P class=3Dbyline>Charles Scutt </P>
<DIV class=3Dbody-content>
<P><A=20
href=3D"http://www.philly.com/philly/classifieds/real_estate/19722249.htm=
l?imageId=3D8518074"><IMG=20
style=3D"WIDTH: 300px; HEIGHT: 180px" alt=3D"" hspace=3D10=20
src=3D"http://media.philly.com/images/re_HOA_300.jpg" align=3Dright =
vspace=3D10=20
border=3D0></A>Home shoppers who yearn to own a property without all the =
normal=20
upkeep like mowing, raking and shoveling typically end up purchasing an =
attached=20
multifamily residence like a condominium or townhome unit. While these =
homes=20
offer many convenient perks, they come with an added price: a required =
monthly=20
maintenance assessment fee that covers the costs of these services, =
which are=20
managed by the community association, also called the homeowner=92s=20
association.</P>
<P>An HOA is an organization of homeowners residing within a particular=20
multifamily development or subdivision that is in charge of preserving =
community=20
grounds and facilities and providing services for the common benefit of =
its=20
residents.</P>
<P>These grounds usually include the parking lot, shared hallways, the =
gated=20
entrance, any sports or fitness facilities and more. Depending on the =
community,=20
the HOA often has a governing board responsible for representing the =
property=92s=20
homeowners, hiring property managers and maintenance providers.</P>
<P>Some HOAs acquire a bad reputation for being too restrictive or =
dictatorial=20
due to poor planning and mismanagement of funds. For these and other =
reasons,=20
it=92s important to do your homework on the association carefully before =

purchasing in that community, say the experts.</P>
<P>=93If there are serious problems in an association, it should be a =
factor in=20
your decision to purchase a unit in the association,=94 says Kenneth =
Arnold, CEO=20
of Association Financial Services, Hallandale, Fla., who recommends =
asking a=20
number of important questions of the HOA before signing a contract. =
These=20
include:</P>
<P>=95 What are the current assessment fees and how often are they =
charged?</P>
<P>=95 Have there been any special assessments discussed or planned and, =
if so,=20
for what purpose and how much?</P>
<P>=95 What is the current past-due balance and aging profile?</P>
<P>=95 What percentage of the accounts receivable are paid on time every =

month?</P>
<P>=95 If the HOA is not receiving 100 percent of their assessments on =
time, is=20
the budget artificially increased so that the good-paying owners are=20
compensating for the shortfall, or are they cutting services to =
compensate?</P>
<P>=95 If they cut services, which have been cut or reduced?</P>
<P>=95 Are the accounts receivable serviced by an independent third =
party other=20
than the property manager to prevent a conflict of interest?</P>
<P>=95 Are there structured accounts receivable policies and procedures =
in place=20
that reduce the risk of loss to the HOA and the owners?</P>
<P>Bonnie Russell, owner of 1st-pick.com, an agent-matching service =
based in Del=20
Mar, Calif., suggests also asking other important questions, such =
as:</P>
<P>=95 What are the reserves?</P>
<P>=95 How many homes are owner-occupied?</P>
<P>=95 Is there any pending litigation?</P>
<P>=95 How many units are in foreclosure? Is the HOA working with the =
banks to get=20
the balance paid off prior to foreclosure? How much of the reserves will =
be=20
dedicated to upkeep of the foreclosed units?</P>
<P><STRONG><FONT color=3D#ff0000>Also, prior to purchasing an attached =
home, it=92s=20
imperative to ask the HOA about limitations and restrictions regarding =
parking,=20
pets, outdoor d=E9cor/furniture and grilling, says Robert Jenson, =
founder/CEO of=20
The Jenson Group, Las Vegas.</FONT></STRONG></P>
<P><STRONG><FONT color=3D#ff0000>=93The HOA should provide you with all =
the answers=20
you are seeking or, at the very least, the means for you to find those =
answers,=94=20
Jenson says.</FONT></STRONG></P>
<P>Keep in mind that an HOA has no legal responsibility to provide =
covenants,=20
conditions and restrictions to nonmembers of the HOA, says Kraig Kast, =
CEO of=20
Atherton Trust Co., Redwood Shores, Calif. Most states require the =
seller to=20
provide a copy of the CC&amp;Rs to prospective buyers, but the seller of =
the=20
home you=92re interested in should get answers to your questions from =
the=20
association.</P>
<P>If these answers are inadequate, =93I would question whether I would =
buy in=20
that community,=94 Kast says.</P>
<P><STRONG><FONT color=3D#ff0000>If you have a real-estate attorney =
lined up, it=92s=20
probably a good idea to have this expert review the CC&amp;Rs and bylaws =
before=20
purchasing the property, =93but there=92s no need to hire one just for =
this purpose=20
unless there is active litigation going on=94 at the community, says=20
Jenson.</FONT></STRONG></P>
<P>Another good idea is to request a copy of the HOA=92s meeting minutes =
for the=20
last year, says Kast.</P>
<P>=93In the minutes, you will learn about anticipated assessments and =
other=20
issues that are not in the CC&amp;Rs. If you know an assessment is =
coming, you=20
can negotiate the selling price to cover that assessment.=94</P>
<P>Kast says he also would recommend walking the streets of the =
association=20
community on a weekend when people are likely to be outside their =
homes.</P>
<P>=93I would ask them what it=92s like living there and what the board =
is like. If=20
you get a lot of negative feedback, I would consider another place to =
live.=94</P>
<P><STRONG><FONT color=3D#ff0000>Additionally, =93speak with residents =
in=20
neighboring communities who may have heard rumors and may be more apt to =
discuss=20
since their community=92s home resale prospects won=92t be affected,=94 =
Jenson=20
says.</FONT></STRONG></P>
<P>Lastly, try researching the HOA on the Internet, and try to attend a =
board=20
meeting if you=92re allowed, says=20
Arnold.</P></DIV></DIV></DIV></DIV></BODY></HTML>

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