Legal
HOA rules and regulations: hidden restrictions that can kill a deal
Rules and regulations are the fastest-moving part of any HOA's governing structure, and they are often the least reviewed by closing teams.
Legal
Legal articles
Articles about HOA liens, litigation, insurance, and legal risks.
Legal
Understanding HOA governing documents: what title teams must review before closing
Every property in a homeowners association is governed by a stack of legal documents that define what the owner can do, what the association can charge, and how disputes are res...
Legal
Who Pays for the HOA Resale Certificate? State Rules and Contract Negotiations
HOA document fees are a frequent source of last-minute closing disputes. Understanding who pays, what state law requires, and how contracts allocate responsibility can prevent t...
Legal
HOA Insurance Gaps That Can Stall Closing
How underinsured or lapsed HOA policies affect title clearance, lender approval, and closing timelines, and what title teams should verify early.
Legal
How to Challenge and Correct an Inaccurate HOA Resale Certificate
When a resale certificate contains errors, title teams need a structured process to dispute the inaccuracies, obtain corrections, and keep the closing on track.
Legal
How HOA articles of incorporation affect property transfers and title insurance
The articles of incorporation are often the most overlooked document in an HOA file, yet they are the foundation of the association's legal authority to bind the property.
Legal
HOA bylaws vs. CC&Rs: what closing teams need to know
CC&Rs and bylaws are the two most important documents in any HOA file, but they serve fundamentally different purposes and create different risks at closing.
Legal
Recent HOA amendments and rule changes: why they matter for your closing
HOAs do not stand still. Every year, associations across the country amend their CC&Rs, update their rules, and adopt new restrictions that change what owners can and cannot do.
Legal
What Happens When an HOA Resale Certificate Is Wrong or Incomplete
An incorrect or incomplete resale certificate can derail a closing, trigger lender rejection, and expose the transaction team to liability. Here is how to catch and fix errors b...