It’s a huge choice for most people who decide to purchase their first home. You won’t be prepared for a lot of things you have to take into account simply by having rented in the past. Your out of pocket expenses on utilities will be higher, since things like trash and water aren’t included in the price of your mortgage like they may have been in your monthly rent. Additionally, if your new home has a yard, you’ll have to factor in maintenance costs and time.
A happy medium for most people is choosing to purchase a condominium or a townhome. Both options tend to be cheaper than purchasing a stand-alone home. There are also often amenities included in a Home Owner’s Association (HOA) neighborhood for you to take advantage of. Many of these neighborhoods boast pools, club houses that you can reserve for large gatherings and workout areas. And you definitely won’t have to worry about lawn maintenance, since that’s usually covered by the HOA, as well.
Before you purchase, you should be aware of some restrictions first, though. The HOA binds home owners by a contract that must be signed at the time of the property’s purchased, called an HOA agreement. On top of your mortgage payment, most HOAs require a monthly payment. Outside maintenance of building structures, as well as yard work expenses, are usually covered by these fees. Pets might be restricted by the HOA, in number and weight, though.
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Choosing to live in an HOA neighborhood consequently has its advantages and disadvantages. It can often be cheaper and more convenient than purchasing a traditional, single-family house, especially when it comes to outdoor maintenance. The downsides with additional monthly HOA fees and the potential for snooping neighbors may end up outweighing the benefits, however, depending on your own personal preferences.
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