🏡 Frequently Asked Questions About HOAs Home Owners
🏠 What is a Homeowners Association (HOA)?
An HOA is a legal entity formed by a developer to manage a community’s common areas and uphold its governing rules. After development is complete, the HOA is managed by a Board of Directors elected by homeowners.
🎯 What is the purpose of an HOA?
An HOA’s main functions are to:
Maintain shared amenities
Enforce neighborhood rules
Protect home values
Coordinate community events
Facilitate dispute resolution
💰 What do HOA fees cover?
HOA fees help cover the cost of:
Landscaping and grounds maintenance
Insurance and legal expenses
Management services
Community amenities like pools, parks, and playgrounds
Events, newsletters, and communication tools
These fees also support reserve funds for large future repairs. Fees vary widely depending on community size and amenities.
📋 What kind of rules can an HOA enforce?
HOAs commonly regulate:
Exterior paint colors
Landscaping upkeep
Trash storage
Parking and street use
Boat and RV storage
Home alterations or improvements
These rules are designed to maintain curb appeal and property values.
💵 How do I pay my assessments (dues)?
You can pay assessments:
Online via the Resident Portal
By mail
In person at our office (no cash accepted)
You can also view your payment history and current balance on the Resident Portal.
📅 What happens if I don’t pay my assessments on time?
Late payments may incur penalties. If unresolved, the HOA can place a lien on your property and may pursue legal action, including foreclosure in extreme cases.
🧾 Will HOA fees affect how much I can borrow for a mortgage?
Yes. Mortgage lenders consider HOA dues when calculating your debt-to-income ratio, which can affect how much you qualify to borrow.
🏖 Do I have to pay HOA dues if I don’t use the amenities?
Yes. All owners share responsibility for maintaining the community, regardless of individual usage of amenities like pools or parks.
📜 Where can I find my community’s governing documents?
All governing documents (bylaws, CC&Rs, rules, etc.) are available in the “Documents” section of the Resident Portal.
🛠 Do I need approval to make changes to my home?
Yes. Any structural or exterior modifications require approval from your community’s Architectural Control Committee (ACC). Submit an application via the Resident Portal before starting any work.
To expedite approval:
Submit your community’s specific form
Include paint colors, site plans, before/after photos
Provide detailed renderings or diagrams if available
Approval generally takes about 30 days.
🏊♂️ How do I request a pool or amenity key?
Submit your request through the Resident Portal or call 281-255-3055. Each community has a unique process—some require signed waivers or use electronic access systems. We appreciate your patience as we coordinate this on your behalf.
🌳 How do I report landscaping or maintenance concerns?
Please contact your community manager by email (listed in the Resident Portal or your welcome packet). CKM coordinates with vendors selected by your HOA, based on the community’s specifications (e.g., mulch frequency, mowing schedule, etc.).
🐕 What do I do about noisy neighbors or barking dogs?
Some noise is expected in shared communities. However, ongoing, late-night, or excessive noise may be considered unreasonable.
Start with a friendly conversation if you feel comfortable
Document time and frequency of disturbances
Contact the HOA or local authorities if needed
Note: While we do our best to maintain confidentiality, full anonymity cannot be guaranteed if legal action becomes necessary.
📄 How do I get a Certificate of Insurance (COI) for my mortgage company?
General COIs are available in the Resident Portal. If your lender requires a customized COI listing their information, please email your community manager or call 281-255-3055. These requests are handled by the HOA’s insurance carrier.
🗓 How can I stay updated about community news and events?
Check the “My Community” calendar in the Resident Portal for events and updates. Some communities also send newsletters or email alerts. Interested in helping with a newsletter? Let your manager know—volunteers are always welcome!