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The Impact of Homeowners Associations (HOAs) on Mortgage Approval

May 7, 2025 by Rilian Ball

When purchasing a home in a community with a Homeowner’s Association (HOA), it’s important to understand how this organization can impact your mortgage approval. While HOAs provide benefits like maintaining neighborhood amenities and enforcing community standards, they also add financial obligations that lenders consider when evaluating your loan application. How HOA Fees Affect Mortgage QualificationMortgage lenders assess a borrower’s total debt-to-income ratio (DTI) to … [Read more...]

Filed Under: Mortgage Tips Tagged With: HOAs, Mortgage Approval, Mortgages

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Rilian Ball


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Rilian Ball
NMLS # 202687

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