If you’re a fan of the TV drama Tulsa King, you’re probably familiar with the character called “Mitch,” a member of the local Homeowners Association (HOA) in the area where Dwight "The General" Manfredi, played by Sylvester Stallone, moves after his release from prison.

Mitch becomes a key figure in the series, especially in the context of his interactions with Dwight, who isn't initially interested in following the strict rules of suburban life. Mitch represents the typical role of an HOA enforcer, someone who upholds community standards and makes sure that the neighbors follow the rules regarding property maintenance, appearance and behavior.

Communities with HOAs are common in many residential areas across the US, and while these organizations offer several benefits, they also come with some drawbacks.

Understanding HOA pros and cons can help you make a more informed decision as a military homebuyer. Living within the confines of the established community can be a good or bad thing, so it’s definitely something to consider when you’re home shopping.

Related: AMS Helps Navy Vets Purchase Rent-to-Own Home

What Is an HOA?

HOAs are private organizations that manage and govern a residential community. The HOA is typically made up of residents elected to a board that oversees the community’s shared spaces and enforces rules to ensure that property values are maintained. These rules, known as covenants, conditions, and restrictions (CC&Rs), vary by community but often include guidelines on home appearances, lawn care, noise levels and even pet ownership.

One of the main advantages of an HOA is that it helps preserve property values within the community. The rules and regulations set by the HOA ensure that homes are maintained to a certain standard. For military homeowners who may be relocating every few years, knowing that their property will be part of a well-maintained neighborhood can help when it’s time to sell.

HOAs often have clear guidelines on lawn care, home exterior appearance and upkeep. This can prevent the degradation of properties due to neglect or lack of attention from neighbors. A well-maintained neighborhood is more attractive to potential buyers, which can be especially important for military families who may not be in one place for long but want to maximize their home’s resale potential when it’s time to move.

Related: 5 Home Problems You Need to (and SHOULD) Walk Away From

Some Pros About HOAs

Many HOAs offer services that relieve residents of certain responsibilities. For example, landscaping services, snow removal and maintenance of common areas are typically handled by the HOA, meaning homeowners don’t have to worry about coordinating these tasks, even if they’re away for an extended period.

Some also offer amenities such as pools, fitness centers and parks, which can be particularly appealing to families. This means you can enjoy these conveniences without the burden of managing them on your own. If, as a military homeowner, you’re deployed, these amenities remain available to your family members, enhancing their quality of life.

Additionally, many HOA communities are gated or offer security services such as neighborhood patrols. This can give you peace of mind as a military homeowner, knowing your property and loved ones are protected while you are away on duty. For military families in a new location, being part of a close-knit community can be incredibly beneficial. HOAs often foster a sense of community by organizing social events, neighborhood watch programs, and neighborhood meetings. This can create a supportive environment when your military family is far from extended family and friends.

The Downside of HOAs

One of the biggest drawbacks of living in an HOA-governed community is the cost of HOA fees. These fees can range from a modest amount to several hundred dollars per month, depending on the community and the level of services provided. For military families who may be on a fixed income or transitioning between duty stations, these fees can add up quickly when combined with your monthly mortgage payment. Additionally, these fees may increase over time, potentially making the property less affordable in the long term.

While an HOA can offer many advantages in terms of property upkeep, it can also impose restrictions that limit your freedom as a homeowner. Common restrictions include limitations on exterior paint colors, fence types, or even the installation of solar panels. If you plan to make changes to your property, you may need to get approval from your HOA, which can be time-consuming and sometimes lead to disappointment if your request is denied.

These restrictions can also affect how you plan to rent out your home during a deployment. Some HOAs have stringent rules about rentals, which may limit your ability to rent out a property.

Related: Tips for Buying a Home “Sight Unseen”

You May Meet a Real-Life Mitch

HOAs are tasked with enforcing their community rules, which can sometimes lead to conflicts between residents and the HOA board. For military homeowners who may be away frequently, the HOA might impose fines or penalties for non-compliance with certain rules, such as neglecting yard maintenance or failing to make timely payments on HOA fees.

If a military family is deployed and unable to maintain their property to the HOA’s standards, they could face fines or other enforcement actions. While some HOAs may offer grace periods or make accommodations for military families, this is not always the case, and homeowners may find themselves in difficult situations.

HOAs are run by elected boards of homeowners, which can sometimes lead to power struggles or disagreements within the community. Further, HOA boards can change over time, leading to shifts in policies and enforcement. If you become frustrated with your HOA, consider running for the board and encouraging like-minded military residents (ie., your friends and co-workers) to do the same.

We’re Here to Help

Whether you’re thinking about buying, ready to start home-shopping in earnest, or considering a refinance, an AMS Military Mortgage Advisor will be happy to provide you with an honest and fair comparison of your mortgage options, including a wide range of affordable mortgages designed to meet your needs. Ensuring AAFMAA Members obtain the best mortgage possible is our mission. Get your free mortgage assessment today or give us a call at 844-422-3622!