What Title Companies Should Know Before Closing
Introduction
Architectural guidelines are often buried deep within HOA documents, yet they can significantly impact a buyer’s future plans for their property. Whether it’s installing solar panels, building a fence, or repainting a home, these rules can restrict modifications and lead to post-sale disputes. Title companies using COCRS can help buyers avoid surprises by flagging key restrictions early.
Why Architectural Guidelines Matter
HOA architectural rules govern:
- Exterior modifications (paint, siding, roofing)
- Landscaping and fencing
- Additions like decks, sheds, or patios
- Solar panels and satellite dishes
- Window replacements and garage doors
Violating these rules can result in fines, forced removal, or legal action—even if the buyer was unaware.
What Title Companies Can Do
Title professionals can add value by:
- Reviewing architectural guidelines in HOA documents retrieved via COCRS
- Flagging restrictive clauses that may affect buyer plans
- Including summaries or alerts in the title commitment
- Educating agents and buyers about approval processes and timelines
Common Red Flags to Watch For
- Required pre-approval for any exterior change
- Restrictions on paint colors or roofing materials
- Limits on fence height, location, or style
- Prohibitions on solar panels or satellite dishes
- Mandatory use of specific contractors or materials
How COCRS Helps
COCRS makes it easy to:
- Access architectural guidelines and design review procedures
- Retrieve minutes from architectural committee meetings
- Identify communities with strict enforcement histories
Conclusion
Architectural guidelines can be a hidden source of friction for new homeowners. By proactively reviewing these rules and using COCRS’s document services, title companies can protect buyers, reduce post-sale disputes, and enhance their reputation as trusted advisors.