Insider Discussion – Just Bought a Home? Your HOA May Bully You!
Insider Discussion – Just Bought a Home? Your HOA May Bully You!
Think you own your home? Your HOA might disagree!
HOAs can fine you, foreclose on you, and limit what you can do. Know your rights before buying in an HOA! Want a full breakdown? DM me now and let’s discuss.
I hope this information was helpful! If you are considering buying or selling a home, I would love to talk to you. I am a seasoned agent with over 24 years of experience in the local real estate market. I would love to be able to get you the financial result you desire from your current home to get you in to that Dream Home! Don’t hesitate to call me anytime at 260-579-1516 or you can email me at mike@mikearchbold.com.
Think You Own Your Home? Your HOA Might Disagree
You’ve signed the mortgage, closed the deal, and moved in—so you own your home, right? Not so fast. If your property is part of a homeowners association (HOA), you’ve agreed to follow a separate set of rules—and breaking them can cost you more than you think.
Here’s what most buyers don’t realize about HOAs:
1. They Can Fine You—Repeatedly
Whether it’s for weeds in the yard, a paint color they don’t approve of, or putting your trash can out too early, HOAs have the power to fine you for violations. And those fines can add up quickly.
2. They Can Place a Lien (and Even Foreclose)
Yes, seriously. If you fall behind on your dues or don’t pay accumulated fines, the HOA can place a lien on your home—and in some states, they can even initiate foreclosure proceedings to collect.
3. They Can Limit What You Do
Want to install solar panels? Build a fence? Rent out your home? The HOA may have a say in that. Some associations are stricter than others, but all enforce some level of control over what homeowners can and can’t do.
4. Rules Can Change—and You’re Still Bound
HOAs can amend their covenants, conditions, and restrictions (CC&Rs) with a vote from the board or membership. That means the rules you agreed to at closing could look very different a few years down the road.
5. They’re Not All Bad—But They’re Not Always Transparent
A well-run HOA can maintain neighborhood appeal and property values. But a poorly managed one can become a major headache. The key is understanding what you’re walking into before you buy.
Thinking of purchasing in an HOA neighborhood? Already own in one and feeling stuck?
I’ve helped clients navigate HOA rules, disputes, and restrictions—and I can help you make informed decisions too.
DM me for my full HOA breakdown guide and let’s talk about your rights as a homeowner.
Michael J Archbold
Associate Broker, REALTOR, ePro
RE/MAX Results
8101 Coldwater Rd
Fort Wayne, IN 46825
c. 260-579-1516
e. Mike@MikeArchbold.com
w. www.MikeArchbold.com
Oh, by the way… if you know of someone who would appreciate the level of service I provide, please call me with their name and business number. I’ll be happy to follow up and take great care of them.
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Genuinely caring about the people we serve enables us to do things other agencies can’t. Rest assured, we will ALWAYS have your best interest at heart and work vigorously to get you the best deal possible on your home or business. The relationships we build with our clients enable us to work 100% by referral.
The reason we are able to give top notch service to our clients is because our clients refer us a constant stream of quality family and friends to assist in their real estate needs. While other agents are out making cold calls and chasing “potential” leads, we are freed up by our referral base to service our clients like no other broker can. We are never too busy for your referrals!
Want to experience the difference for yourself? Call or text me today at 260-579-1516.
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Are you or someone you know considering a home purchase? Don’t hesitate to call or text me, Michael Archbold, at 260-579-1516 and I will connect you with the best mortgage professionals in the business who can get you your score, discuss ways to improve it if necessary, and put you on the path to home ownership. Click here to read more about our Buyer Services. Click here to browse listings NOW! Looking to sell your home? Call today to set up an appointment to begin developing your customized marketing plan. Click here to read more about our Seller Services.
Hoosier Home Listings by RE/MAX Results is a full service real estate Web site serving Northeast Indiana. We assist residential and commercial clients in locating, buying, and selling real property in the State of Indiana including but not limited to the counties of Allen, Huntington, Wells, Adams, Whitley, Wabash, Kosciusko, Noble, Dekalb, Lagrange, Steuben and cities including Fort Wayne, Decatur, Bluffton, Huntington, Warsaw, Columbia City, Butler, and Angola. RE/MAX Results is an Equal Housing Opportunity company.
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The consummate professional, Michael Archbold (Associate Broker, REALTOR, ePro) brings a diversified background to the world of real estate. Born and raised in Fort Wayne, Mike graduated Wayne High School in 1992. He received bachelors degrees in Accounting in 1997 from Indiana University and Information Technology in 2005 from Indiana Wesleyan University. Mike comes to Re/MAX with more than 20 years of experience in sales and accounting. He began his career in real estate in 2000 as an investor.
